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The Commercial Bank
Crawford, GA · FDIC Certificate #175 · Chartered 09/0
Total assets
$463.73M
Total deposits
$419.16M
Total equity
$40.25M
Net loans
$342.28M
Branches (offices)
5
Net income (YTD)
$7.24M
Rank: #1,870 of 4,213 U.S. banks by assets · #41 of 123 in Georgia. Assets changed 8.5% and deposits 7.2% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 3.14% |
| Return on equity | 36.96% |
| Net interest margin (YTD) | 5.12% |
| Equity to assets | 8.68% |
| Tier 1 leverage ratio | 10.72% |
| Uninsured deposits (share of deposits) | 30.6% |
| Noncurrent loans (share of loans) | 0.17% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 81.7% |
| Real estate loans (share of loans) | 93.5% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $320.03M | 93.5% | |
| Commercial & industrial | $21.27M | 6.2% | |
| Consumer / individual | $6.34M | 1.9% | |
| Construction & development | $37.53M | 11.0% | |
| Agricultural | $438.00K | 0.1% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $392.56M | $369.96M | $4.58M | $20.87M |
| Jun 2023 | $390.93M | $360.34M | $5.64M | $23.24M |
| Jun 2024 | $455.11M | $382.40M | $6.01M | $28.43M |
| Jun 2025 | $427.46M | $390.86M | $6.44M | $32.91M |
| Jun 2026 | $463.73M | $419.16M | $7.24M | $40.25M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Georgia | $419.16M | 5 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $419.16M.
Similar-sized banks
Security Federal Savings Bank ($464.41M) · Local Bank ($463.08M)
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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