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The Commercial Bank

Honea Path, SC
IDRSSD: 349129
Total Assets
$260.23M
Latest filing
Total Deposits
$237.48M
Latest filing
Net Interest Margin
3.16%
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 ClassCommercial bank, state charter, Fed non-member, and supervised by the FDIC
Primary RegulatorFDIC
Established Date05/14/1934
Community BankYes
Ownership TypeNot Mutual
ZIP29654
State and County Number45007
Subchapter S CorporationsYes
Trust PowersN/A
Federal Reserve ID Number05
Numeric code21
Insured by FDICInstitutions that are currently open and insured by the FDIC
Federal Reserve DistrictAtlanta
Core Based Statistical Area NameGreenville-Anderson, SC

Operational Info

Number of Employees64
Domestic Offices8
Foreign Offices0
US Offices0
Directly owned by another bank (CERT)No
Last Structure Change Effective Date08/31/2022
Date of Deposit Insurance08/07/1934
Primary Insurance AgencyDIF
Websitewww.thecommercialbanksc.com
Data Updated11/14/2025
CERT14642
Office of The Comptroller District:—
Office of Thrift Supervision RegionN/A

Financial Summary

Total Assets$260.23M
Total Deposits$237.48M
Total Liabilities$238.88M
Total Equity Capital$21.35M
Net Income$539.00k
Net Loans and Leases$95.84M
Assets Per Employee ($Millions)$4.34M
Bank Premises and Fixed Assets$3.53M
Cash and Balances due from Depository Institutions$17.80M
Deposits Held in Domestic Offices$237.48M

Key Performance Ratios

Return on Assets (ROA)0.83%
Return on Equity (ROE)10.32%
Net Interest Margin3.16%
Efficiency Ratio74.76%
Tier 1 Risk-Based Capital Ratio29.525%
Net Loans and Leases to Core Deposits0%
Credit Loss Provision to Assets0.01%
Cash Dividends to Net Income (YTD Only)0%
Equity Capital to Assets8.203%
Earning Assets to total Assets92.74%

Income and Expense

Total Interest Income$2.47M
Total Noninterest Income$352.00k
Total Interest Expense$568.00k
Total Noninterest Expense$1.69M
Net Interest Income$1.90M
Pre-tax Net Operating Income$563.00k
Provision for Credit Losses$6.00k
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$2.95M
Federal Funds Purchased and Repurchased Agreement$0
All Other Liabilities$1.40M
Total Liabilities and Capital$260.23M

Securities

Securities$132.07M
Available-for-sale debt securities$6.43M
Equity securities with readily determinable fair values not held for trading$0
Held-to-maturity securities$125.64M
Subordinated Debt$0
Trading Account Assets$0
Trading Liabilities$0

Frequently Asked Questions

What are the total assets of The Commercial Bank?
$260.23M as of the latest filing.
How much are The Commercial Bank's total deposits?
$237.48M in total deposits.
Where is The Commercial Bank located?
Honea Path, SC.
What is the Net Interest Margin?
3.16%.
How many domestic offices does it operate?
8.
When was it established?
05/14/1934.
What is the Return on Assets (ROA)?
0.83%.
How much are total loans and leases?
$95.84M (latest filing).
What is the total interest income (latest filing)?
$2.47M.