Commercial Banking Company
Valdosta, GA
IDRSSD: 381932
Total Assets
$372.72M
Latest filing
Total Deposits
$327.94M
Latest filing
Net Interest Margin
5.39%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Commercial Banking Company
3462 N Valdosta Rd
Valdosta, GA 31602
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1934FDIC Certificate 10440
Branches (4)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Commercial Banking Company (Main) | 3462 N Valdosta Rd | Valdosta, GA |
| VALDOSTA BRANCH | 1215 Baytree Rd | Valdosta, GA |
| HAHIRA BRANCH | 110 W Main St | Hahira, GA |
| MOULTRIE BRANCH | 419 B. South Main Street | Moultrie, GA |
| TIFTON BRANCH | 729 2nd St W | Tifton, 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 | Federal savings banks, federal charter, supervised by the OCC or (pre-2011) OTS |
| Primary Regulator | OCC |
| Established Date | 01/01/1934 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 31602 |
| State and County Number | 13185 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 06 |
| Numeric code | 33 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Atlanta |
| Core Based Statistical Area Name | Valdosta, GA |
Operational Info
| Number of Employees | 71 |
| Domestic Offices | 5 |
| 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 | 11/15/1995 |
| Primary Insurance Agency | DIF |
| Website | www.cbcbank.com |
| Data Updated | 01/30/2026 |
| CERT | 16246 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $372.72M |
| Total Deposits | $327.94M |
| Total Liabilities | $335.84M |
| Total Equity Capital | $36.88M |
| Net Income | $1.61M |
| Net Loans and Leases | $285.38M |
| Assets Per Employee ($Millions) | $5.11M |
| Bank Premises and Fixed Assets | $6.83M |
| Cash and Balances due from Depository Institutions | $27.45M |
| Deposits Held in Domestic Offices | $327.94M |
Key Performance Ratios
| Return on Assets (ROA) | 1.72% |
| Return on Equity (ROE) | 17.92% |
| Net Interest Margin | 5.39% |
| Efficiency Ratio | 62.25% |
| Tier 1 Risk-Based Capital Ratio | 14.806% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.02% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.894% |
| Earning Assets to total Assets | 93.02% |
Income and Expense
| Total Interest Income | $5.84M |
| Total Noninterest Income | $1.02M |
| Total Interest Expense | $1.18M |
| Total Noninterest Expense | $3.54M |
| Net Interest Income | $4.66M |
| Pre-tax Net Operating Income | $2.13M |
| Provision for Credit Losses | $15.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $185.00k |
| Other borrowed funds | $5.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $2.90M |
| Total Liabilities and Capital | $372.72M |
Securities
| Securities | $39.11M |
| Available-for-sale debt securities | $39.11M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Commercial Banking Company?
$372.72M as of the latest filing.
How much are Commercial Banking Company's total deposits?
$327.94M in total deposits.
Where is Commercial Banking Company located?
Valdosta, GA.
What is the Net Interest Margin?
5.39%.
How many domestic offices does it operate?
5.
When was it established?
01/01/1934.
What is the Return on Assets (ROA)?
1.72%.
How much are total loans and leases?
$285.38M (latest filing).
What is the total interest income (latest filing)?
$5.84M.