Commercial Bank
Harrogate, TN
IDRSSD: 497039
Total Assets
$2.27B
Latest filing
Total Deposits
$1.86B
Latest filing
Net Interest Margin
4.06%
Profitability
Key People
Loading leadership data...
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 01/30/2026Established 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
Tooltip shows Quarter only. Download buttons export the chart only (CSV/PNG with white background).
Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
Similar banks
Bank of Tennessee
Kingsport, Tennessee
→
Assets: $2.05BΔ -6.5%
Builtwell Bank
Chattanooga, Tennessee
→
Assets: $2.34BΔ +6.7%
Citizens National Bank
Sevierville, Tennessee
→
Assets: $1.93BΔ -12.0%
Mountain Commerce Bank
Knoxville, Tennessee
→
Assets: $1.80BΔ -17.7%
First Citizens National Bank
Dyersburg, Tennessee
→
Assets: $2.60BΔ +18.5%
Wellworth Bank
Lafayette, Tennessee
→
Assets: $1.75BΔ -20.3%
Institution Profile
| Institution Class | Commercial bank, state charter, Fed member, supervised by FRB |
| Primary Regulator | FED |
| Established Date | 11/01/1976 |
| Community Bank | Yes |
| 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 | 01/30/2026 |
| CERT | 22354 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $2.27B |
| Total Deposits | $1.86B |
| Total Liabilities | $2.03B |
| Total Equity Capital | $240.68M |
| Net Income | $10.16M |
| Net Loans and Leases | $1.84B |
| Assets Per Employee ($Millions) | $7.9M |
| Bank Premises and Fixed Assets | $49.77M |
| Cash and Balances due from Depository Institutions | $118.99M |
| Deposits Held in Domestic Offices | $1.86B |
Key Performance Ratios
| Return on Assets (ROA) | 1.82% |
| Return on Equity (ROE) | 16.2% |
| Net Interest Margin | 4.06% |
| Efficiency Ratio | 41.48% |
| Tier 1 Risk-Based Capital Ratio | 13.095% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.03% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 10.612% |
| Earning Assets to total Assets | 93.3% |
Income and Expense
| Total Interest Income | $29.90M |
| Total Noninterest Income | $2.46M |
| Total Interest Expense | $8.90M |
| Total Noninterest Expense | $10.11M |
| Net Interest Income | $21.00M |
| Pre-tax Net Operating Income | $13.20M |
| Provision for Credit Losses | $150.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $253.00k |
| Other borrowed funds | $135.55M |
| Federal Funds Sold & Reverse Repurchase Agreement | $25.33M |
| Federal Funds Purchased and Repurchased Agreement | $13.25M |
| All Other Liabilities | $7.69M |
| Total Liabilities and Capital | $2.27B |
Securities
| Securities | $140.87M |
| Available-for-sale debt securities | $43.14M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $97.73M |
| Subordinated Debt | $0 |
| Trading Account Assets | $14.13M |
| Trading Liabilities | $14.13M |
Frequently Asked Questions
What are the total assets of Commercial Bank?
$2.27B as of the latest filing.
How much are Commercial Bank's total deposits?
$1.86B in total deposits.
Where is Commercial Bank located?
Harrogate, TN.
What is the Net Interest Margin?
4.06%.
How many domestic offices does it operate?
40.
When was it established?
11/01/1976.
What is the Return on Assets (ROA)?
1.82%.
How much are total loans and leases?
$1.84B (latest filing).
What is the total interest income (latest filing)?
$29.90M.