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Commercial Banking Company

Valdosta, GA
IDRSSD: 381932
Total Assets
$373.86M
Latest filing
Total Deposits
$334.88M
Latest filing
Net Interest Margin
5.16%
Profitability
0

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 ClassFederal savings banks, federal charter, supervised by the OCC or (pre-2011) OTS
Primary RegulatorOCC
Established Date01/01/1934
Community BankYes
Ownership TypeNot Mutual
ZIP31602
State and County Number13185
Subchapter S CorporationsNo
Trust PowersN/A
Federal Reserve ID Number06
Numeric code33
Insured by FDICInstitutions that are currently open and insured by the FDIC
Federal Reserve DistrictAtlanta
Core Based Statistical Area NameValdosta, GA

Operational Info

Number of Employees70
Domestic Offices5
Foreign Offices0
US Offices0
Directly owned by another bank (CERT)No
Last Structure Change Effective Date08/31/2022
Date of Deposit Insurance11/15/1995
Primary Insurance AgencyDIF
Websitewww.cbcbank.com
Data Updated11/14/2025
CERT16246
Office of The Comptroller District:—
Office of Thrift Supervision RegionN/A

Financial Summary

Total Assets$373.86M
Total Deposits$334.88M
Total Liabilities$338.89M
Total Equity Capital$34.96M
Net Income$1.78M
Net Loans and Leases$271.20M
Assets Per Employee ($Millions)$5.27M
Bank Premises and Fixed Assets$6.92M
Cash and Balances due from Depository Institutions$41.48M
Deposits Held in Domestic Offices$334.88M

Key Performance Ratios

Return on Assets (ROA)1.95%
Return on Equity (ROE)20%
Net Interest Margin5.16%
Efficiency Ratio54.9%
Tier 1 Risk-Based Capital Ratio14.7%
Net Loans and Leases to Core Deposits0%
Credit Loss Provision to Assets0.14%
Cash Dividends to Net Income (YTD Only)0%
Equity Capital to Assets9.352%
Earning Assets to total Assets92.17%

Income and Expense

Total Interest Income$5.61M
Total Noninterest Income$988.00k
Total Interest Expense$1.27M
Total Noninterest Expense$2.92M
Net Interest Income$4.34M
Pre-tax Net Operating Income$2.28M
Provision for Credit Losses$125.00k
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$0
Federal Funds Purchased and Repurchased Agreement$0
All Other Liabilities$4.02M
Total Liabilities and Capital$373.86M

Securities

Securities$39.18M
Available-for-sale debt securities$39.18M
Equity securities with readily determinable fair values not held for trading$0
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?
$373.86M as of the latest filing.
How much are Commercial Banking Company's total deposits?
$334.88M in total deposits.
Where is Commercial Banking Company located?
Valdosta, GA.
What is the Net Interest Margin?
5.16%.
How many domestic offices does it operate?
5.
When was it established?
01/01/1934.
What is the Return on Assets (ROA)?
1.95%.
How much are total loans and leases?
$271.20M (latest filing).
What is the total interest income (latest filing)?
$5.61M.