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The Commercial Bank
Honea Path, SC · FDIC Certificate #14642 · Chartered 05/1
Total assets
$284.16M
Total deposits
$251.38M
Total equity
$23.34M
Net loans
$101.22M
Branches (offices)
8
Net income (YTD)
$1.07M
Rank: #2,549 of 4,213 U.S. banks by assets · #31 of 43 in South Carolina. Assets changed 8.9% and deposits 5.3% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.77% |
| Return on equity | 9.47% |
| Net interest margin (YTD) | 3.00% |
| Equity to assets | 8.21% |
| Tier 1 leverage ratio | 12.65% |
| Uninsured deposits (share of deposits) | 17.8% |
| Noncurrent loans (share of loans) | 0.75% |
| Net charge-offs (share of loans) | -0.00% |
| Loans to deposits | 40.3% |
| Real estate loans (share of loans) | 84.6% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $85.63M | 84.6% | |
| Commercial & industrial | $5.06M | 5.0% | |
| Consumer / individual | $11.09M | 11.0% | |
| Construction & development | $6.09M | 6.0% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $248.84M | $239.16M | $1.07M | $8.82M |
| Jun 2023 | $249.44M | $233.71M | $1.65M | $14.93M |
| Jun 2024 | $247.18M | $228.21M | $1.09M | $17.84M |
| Jun 2025 | $260.85M | $238.79M | $953.00K | $20.45M |
| Jun 2026 | $284.16M | $251.38M | $1.07M | $23.34M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| South Carolina | $251.38M | 8 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $251.38M.
Similar-sized banks
Community Savings ($284.66M) · Bank Of Edmonson County ($283.41M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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