Commercial Bank & Trust Co.
Paris, TN
IDRSSD: 467658
Total Assets
$1.10B
Latest filing
Total Deposits
$999.79M
Latest filing
Net Interest Margin
3.30%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Commercial Bank & Trust Co.
101 N Poplar St
Paris, TN 38242
Full Service - Brick and Mortar
Updated 11/14/2025Established 05/15/1877FDIC Certificate 5520
Branches (10)
Page 1 of 2| Name | Address | City / State |
|---|---|---|
| Commercial Bank & Trust Co. (Main) | 101 N Poplar St | Paris, TN |
| REELFOOT AVENUE BRANCH | 709 E Reelfoot Ave | Union City, TN |
| MINERAL WELLS AVENUE BRANCH | Mineral Wells Avenue | Paris, TN |
| EAST WOOD STREET BRANCH | 914 E Wood St | Paris, TN |
| MEMPHIS BRANCH | 2000 Union Ave | Memphis, TN |
| UNION CITY MAIN BRANCH | 127 S 1st St | Union City, TN |
| MENDENHALL BRANCH | 510 S Mendenhall Rd | Memphis, TN |
| COMMERCIAL BANK AND TRUST COMPANY | 5740 Getwell Rd Bldg 10 Ste C | Southaven, MS |
Showing 7 of 10
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 05/15/1877 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 38242 |
| State and County Number | 47079 |
| Subchapter S Corporations | Yes |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 08 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Dallas |
| Core Based Statistical Area Name | Paris, TN |
Operational Info
| Number of Employees | 203 |
| Domestic Offices | 11 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | cbtcnet.com |
| Data Updated | 11/14/2025 |
| CERT | 8660 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $1.10B |
| Total Deposits | $999.79M |
| Total Liabilities | $1.01B |
| Total Equity Capital | $93.10M |
| Net Income | $3.88M |
| Net Loans and Leases | $601.96M |
| Assets Per Employee ($Millions) | $5.46M |
| Bank Premises and Fixed Assets | $12.81M |
| Cash and Balances due from Depository Institutions | $108.48M |
| Deposits Held in Domestic Offices | $999.79M |
Key Performance Ratios
| Return on Assets (ROA) | 1.4% |
| Return on Equity (ROE) | 17.24% |
| Net Interest Margin | 3.3% |
| Efficiency Ratio | 66.06% |
| Tier 1 Risk-Based Capital Ratio | 19.207% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.07% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 8.444% |
| Earning Assets to total Assets | 94.21% |
Income and Expense
| Total Interest Income | $13.11M |
| Total Noninterest Income | $3.83M |
| Total Interest Expense | $4.50M |
| Total Noninterest Expense | $8.22M |
| Net Interest Income | $8.60M |
| Pre-tax Net Operating Income | $4.03M |
| Provision for Credit Losses | $196.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $5.15M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $9.66M |
| Total Liabilities and Capital | $1.10B |
Securities
| Securities | $330.48M |
| Available-for-sale debt securities | $211.85M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $118.64M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Commercial Bank & Trust Co.?
$1.10B as of the latest filing.
How much are Commercial Bank & Trust Co.'s total deposits?
$999.79M in total deposits.
Where is Commercial Bank & Trust Co. located?
Paris, TN.
What is the Net Interest Margin?
3.30%.
How many domestic offices does it operate?
11.
When was it established?
05/15/1877.
What is the Return on Assets (ROA)?
1.4%.
How much are total loans and leases?
$601.96M (latest filing).
What is the total interest income (latest filing)?
$13.11M.