Total Assets
$373M
Total balance-sheet footings
FDIC Cert #16246 · Valdosta, Georgia · Est. 1934
Commercial Banking Company - FDIC Bank Health Profile
A community-scale look at Commercial Banking Company's own numbers, pulled straight from its quarterly FDIC Call Report.
- $373M
- Total assets
- A
- Health grade · Excellent
- 1.77%
- Return on assets
- 14.8%
- Tier 1 capital
Data updated July 2026
The verdict
Commercial Banking Company earns a PlainBankData health grade of A (92/100), with well-capitalized at 14.81% Tier 1, profitable at 1.77% ROA, efficient (59% cost ratio).
- #2,186
- largest of 4,313 FDIC banks by assets
- 49th
- percentile by asset size, nationally
- 14.81%
- Tier 1 ratio - above the 10% well-capitalized line
- 85th
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How Commercial Banking Company's 92/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Commercial Banking Company's composite health score
Tier 1 Capital Ratio (14.81%) 35/40
Return on Assets (ROA) (1.77%) 25/25
Texas Ratio (0.44%) 20/20
Efficiency Ratio (58.76%) 12/15
92 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$328M
Customer-funded liabilities
Net Loans
$285M
Outstanding loan book
Net Income
$6M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Commercial Banking Company ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Commercial Banking Company's score of 92/100 falls in the highlighted band.
Commercial Banking Company's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Commercial Banking Company's $373M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
14.81% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
14.81%
Texas Ratio
0.44%
Equity Capital
$37M
Profitability metrics
Return on Assets (ROA)
85th percentile nationally
1.77%
Return on Equity (ROE)
18.32%
Efficiency Ratio
58.76%
What the numbers say about Commercial Banking Company
Commercial Banking Company is an FDIC-insured institution (Certificate #16246) headquartered in Valdosta, Georgia, established in 1934. It holds $373M in total assets - 2,186th of 4,313 FDIC-insured banks, $328M in customer deposits, and $285M in net loans. On safety, its Tier 1 capital ratio of 14.81% is above the 10% well-capitalized threshold, and its Texas Ratio of 0.44% sits in the healthy range below 50%. It earns a PlainBankData health grade of A (92/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Georgia, Commercial Banking Company ranks 56th of 129 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$22M
Interest Income
$3M
Non-Interest Income
$12M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Commercial Banking Company reports a Texas Ratio of 0.44% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.44% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Georgia by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Commercial Banking Company (FDIC Cert #16246) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Georgia
All Georgia banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Ameris BankAtlanta | $27.4B | A | 1.64% |
| RBC Bank, (Georgia) National AssociationAtlanta | $8.0B | A | 2.48% |
| Metro City BankDoraville | $4.7B | A | 1.79% |
| Colony BankFitzgerald | $3.7B | B | 0.92% |
| Georgia Banking CompanyAtlanta | $2.7B | B | 0.96% |
| United BankZebulon | $2.3B | A | 2.66% |
| Pinnacle BankElberton | $2.3B | B | 1.29% |
| Queensborough National Bank & Trust CompanyLouisville | $2.2B | A | 1.05% |
Frequently asked questions
What is Commercial Banking Company's health grade?▼
Commercial Banking Company receives a health grade of A (92/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is Commercial Banking Company?▼
Commercial Banking Company holds $373M in total assets and $328M in deposits, ranking 2,186th of 4,313 FDIC-insured banks by asset size. It is headquartered in Valdosta, Georgia.
Is my money safe at Commercial Banking Company?▼
Yes, deposits at Commercial Banking Company (Certificate #16246) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Commercial Banking Company's Tier 1 Capital Ratio?▼
Commercial Banking Company has a Tier 1 Capital Ratio of 14.81%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Commercial Banking Company?▼
Commercial Banking Company has a Texas Ratio of 0.44%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Commercial Banking Company?▼
Commercial Banking Company has an Efficiency Ratio of 58.76%. Below 60% is considered efficient, the bank converts a strong share of revenue into profit. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Commercial Banking Company's profile as a depositor or analyst.
- Commercial Banking Company's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Commercial Banking Company against other Georgia banks before moving funds. Georgia banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.