Commercial Bancgroup CBK

Commercial Bancgroup, Inc. is a bank holding company headquartered in Harrogate, Tennessee. The company operates primarily through its wholly owned subsidiary Commercial Bank, a full service community banking institution that provides traditional consumer and commercial banking products and services to businesses and individuals in selected markets across Kentucky, North Carolina and Tennessee. As of December 31, 2025, the company reported total consolidated assets of approximately $2.3 billion, net loans of about $1.9 billion, deposits of roughly $1.8 billion and shareholders’ equity of $285.3 million, and it maintained 34 banking offices and one loan production office.

The company generates revenue primarily from interest earned on its loan portfolio and from fees associated with deposit accounts, payment services and other banking activities. Interest income arises from commercial loans, residential mortgages, home equity lines and consumer loans. Non interest income includes service charges on deposit accounts, debit card interchange fees and wealth management related fees.

Commercial Bancgroup, Inc. operates in a highly competitive banking environment that includes local community banks, regional banks, national banks and credit unions. The company differentiates itself through its emphasis on relationship banking, its deep community ties and its investment in modern technology to improve customer experience. Its competitive strengths include a low cost deposit base, a focus on small and medium sized businesses and a track record of consistent loan and deposit growth.

The company serves a diverse customer base that includes small businesses, corporate customers, commercial real estate owners and individual consumers. It targets business customers with substantial operating history and annual revenues up to $300 million while also providing mortgage, home equity and consumer loan products to retail clients.