Commercial Bank
Harrogate, TN
IDRSSD: 497039
Total Assets
$2.19B
Latest filing
Total Deposits
$1.78B
Latest filing
Net Interest Margin
4.07%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Commercial Bank
6710 Cumberland Gap Pkwy
Harrogate, TN 37752
Full Service - Brick and Mortar
Updated 11/14/2025Established 11/01/1976FDIC Certificate 15561
Branches (39)
Page 1 of 6| Name | Address | City / State |
|---|---|---|
| Commercial Bank (Main) | 6710 Cumberland Gap Pkwy | Harrogate, TN |
| NEW TAZEWELL BRANCH | 130 S Broad St | New Tazewell, TN |
| NEWPORT-BROADWAY BRANCH | 262 E Broadway | Newport, TN |
| FNB & TRUST BRANCH | 202 S Main St | London, KY |
| HARROGATE BRANCH | 7100 Cumberland Gap Pkwy | Harrogate, TN |
| THE PLAZA BRANCH | 1811 N Main St | London, KY |
| MARKETPLACE BRANCH | 1730 Highway 192 W | London, KY |
| SOUTH LAUREL BRANCH | 775 W Cumberland Gap Pkwy | Corbin, KY |
Showing 7 of 39
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 member, supervised by FRB |
| Primary Regulator | FED |
| Established Date | 11/01/1976 |
| Community Bank | No |
| Ownership Type | Not Mutual |
| ZIP | 37752 |
| State and County Number | 47025 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 06 |
| Numeric code | 13 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Dallas |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 289 |
| Domestic Offices | 40 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 07/01/2024 |
| Date of Deposit Insurance | 11/01/1976 |
| Primary Insurance Agency | DIF |
| Website | www.cbtn.com |
| Data Updated | 11/14/2025 |
| CERT | 22354 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $2.19B |
| Total Deposits | $1.78B |
| Total Liabilities | $1.93B |
| Total Equity Capital | $260.95M |
| Net Income | $10.03M |
| Net Loans and Leases | $1.74B |
| Assets Per Employee ($Millions) | $7.58M |
| Bank Premises and Fixed Assets | $50.27M |
| Cash and Balances due from Depository Institutions | $122.94M |
| Deposits Held in Domestic Offices | $1.78B |
Key Performance Ratios
| Return on Assets (ROA) | 1.81% |
| Return on Equity (ROE) | 15.64% |
| Net Interest Margin | 4.07% |
| Efficiency Ratio | 43.3% |
| Tier 1 Risk-Based Capital Ratio | 14.167% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 11.917% |
| Earning Assets to total Assets | 92.38% |
Income and Expense
| Total Interest Income | $30.00M |
| Total Noninterest Income | $2.55M |
| Total Interest Expense | $9.16M |
| Total Noninterest Expense | $10.52M |
| Net Interest Income | $20.83M |
| Pre-tax Net Operating Income | $12.86M |
| Provision for Credit Losses | $0 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $533.00k |
| Other borrowed funds | $96.63M |
| Federal Funds Sold & Reverse Repurchase Agreement | $31.84M |
| Federal Funds Purchased and Repurchased Agreement | $27.66M |
| All Other Liabilities | $9.62M |
| Total Liabilities and Capital | $2.19B |
Securities
| Securities | $161.47M |
| Available-for-sale debt securities | $29.56M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $131.91M |
| Subordinated Debt | $0 |
| Trading Account Assets | $14.33M |
| Trading Liabilities | $14.33M |
Frequently Asked Questions
What are the total assets of Commercial Bank?
$2.19B as of the latest filing.
How much are Commercial Bank's total deposits?
$1.78B in total deposits.
Where is Commercial Bank located?
Harrogate, TN.
What is the Net Interest Margin?
4.07%.
How many domestic offices does it operate?
40.
When was it established?
11/01/1976.
What is the Return on Assets (ROA)?
1.81%.
How much are total loans and leases?
$1.74B (latest filing).
What is the total interest income (latest filing)?
$30.00M.