The Commercial Bank
Crawford, GA
IDRSSD: 469737
Total Assets
$462.64M
Latest filing
Total Deposits
$419.72M
Latest filing
Net Interest Margin
5.19%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
The Commercial Bank
102 N. Church Street
Crawford, GA 30630
Full Service - Brick and Mortar
Updated 01/30/2026Established 09/05/1924FDIC Certificate 139
Branches (4)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| The Commercial Bank (Main) | 102 N. Church Street | Crawford, GA |
| WINTERVILLE BRANCH | 100 Moores Grove Rd | Winterville, GA |
| ATHENS OFFICE | 1357 Oconee Connector | Watkinsville, GA |
| DANIELSVILLE | 220 Courthouse Square 1 | Danielsville, GA |
| COLBERT BRANCH | 35 N 4th St | Colbert, GA |
Showing 4 of 4
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 | 09/05/1924 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 30630 |
| State and County Number | 13221 |
| Subchapter S Corporations | Yes |
| Trust Powers | N/A |
| Federal Reserve ID Number | 06 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Atlanta |
| Core Based Statistical Area Name | Athens-Clarke County, GA |
Operational Info
| Number of Employees | 54 |
| Domestic Offices | 5 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 05/01/2006 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | http://thecommercialbank.net |
| Data Updated | 01/30/2026 |
| CERT | 175 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $462.64M |
| Total Deposits | $419.72M |
| Total Liabilities | $423.37M |
| Total Equity Capital | $39.27M |
| Net Income | $2.98M |
| Net Loans and Leases | $316.73M |
| Assets Per Employee ($Millions) | $8.9M |
| Bank Premises and Fixed Assets | $5.66M |
| Cash and Balances due from Depository Institutions | $19.71M |
| Deposits Held in Domestic Offices | $419.72M |
Key Performance Ratios
| Return on Assets (ROA) | 2.65% |
| Return on Equity (ROE) | 31.25% |
| Net Interest Margin | 5.19% |
| Efficiency Ratio | 50.07% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.08% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 8.488% |
| Earning Assets to total Assets | 94.02% |
Income and Expense
| Total Interest Income | $6.85M |
| Total Noninterest Income | $720.00k |
| Total Interest Expense | $1.38M |
| Total Noninterest Expense | $3.10M |
| Net Interest Income | $5.47M |
| Pre-tax Net Operating Income | $3.00M |
| Provision for Credit Losses | $90.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $41.17M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $3.65M |
| Total Liabilities and Capital | $462.64M |
Securities
| Securities | $76.15M |
| Available-for-sale debt securities | $72.38M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $3.77M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of The Commercial Bank?
$462.64M as of the latest filing.
How much are The Commercial Bank's total deposits?
$419.72M in total deposits.
Where is The Commercial Bank located?
Crawford, GA.
What is the Net Interest Margin?
5.19%.
How many domestic offices does it operate?
5.
When was it established?
09/05/1924.
What is the Return on Assets (ROA)?
2.65%.
How much are total loans and leases?
$316.73M (latest filing).
What is the total interest income (latest filing)?
$6.85M.