Commercial BancGroup Inc (CBK) is a bank holding company, incorporated in Tennessee in 1975, that operates through its wholly owned subsidiary Commercial Bank, a full-service community banking institution. The company makes money primarily through net interest income on loans and deposits, supplemented by noninterest income from customer service fees, ATM and debit card interchange fees, and bank card services. As of December 31, 2025, Commercial BancGroup held $2.3 billion in total consolidated assets, $1.9 billion in net loans, $1.8 billion in deposits, and $285.3 million in total shareholders' equity, operating 34 banking offices across Kentucky, North Carolina, and Tennessee. Noninterest income for fiscal year ended December 31, 2025 was $9.9 million, down from $10.8 million for fiscal year ended December 31, 2024. The company competes with local, regional, and national financial institutions, as well as financial technology providers, across its community banking footprint.

Revenue model

Net interest income from loans and deposits is the primary revenue source. Noninterest income of $9.9 million (FY2025) includes customer service fees of $2.8 million, ATM and debit card fees of $3.4 million, and bank-owned life insurance income of $1.3 million, all for the fiscal year ended December 31, 2025.

Products and services

Traditional consumer and commercial banking products and services including loans, deposit accounts, overdraft programs, account analysis services, ATM and debit card services, interchange fee-generating bank card services, standby letters of credit, and commitments to extend credit.

Customers and end markets

Businesses and individuals in select community markets across Kentucky, North Carolina, and Tennessee. No disclosed customer concentration data in the filing excerpts.

Value-chain role

Community bank and deposit-taking institution that originates and holds loans, accepts deposits, and provides transaction and fee-based banking services directly to retail and commercial customers.

Geographic exposure

Tennessee (Nashville MSA, Knoxville MSA, Tri-Cities MSA, and Claiborne, Cocke, Union, and Hamblen counties), Southeast Kentucky (including Barbourville and Corbin), and North Carolina, as of December 31, 2025, across 34 banking offices.

Competitors

local community banks, regional banks, national banks, financial technology companies

Source: SEC 10-K, filed 2026-03-24

Industry: State Commercial Banks