Commercial Bancgroup, Inc.
Business
Commercial Bancgroup, Inc. is a Tennessee-based bank holding company that operates Commercial Bank, a full-service community banking institution. The Bank offers traditional consumer and commercial banking products including loans, deposits, treasury management services, and digital banking solutions across Kentucky, North Carolina, and Tennessee markets. The company operates 34 banking offices serving small and medium-sized businesses, corporate customers, commercial real estate owners, and consumers, with a focus on relationship banking and core deposits in both rural and metropolitan markets.
Summary from 10-K filed 2026-07-01
Financials
Consolidated Statement of Income
| Concept | Trend | FY 2025 2025-12-31 | FY 2024 2024-12-31 |
|---|---|---|---|
| Loans, including fees | 112 | 113 | |
| Debt securities-taxable | 4 | 3 | |
| Debt securities-tax-exempt | 442,351 | 368,332 | |
| Dividends on restricted stock | 620,866 | 699,728 | |
| Interest-bearing deposits in banks and federal funds sold | 5 | 6 | |
| Total interest and dividend income | 122 | 123 | |
| Deposits | 37 | 40 | |
| Short-term borrowings | 148,287 | 204,963 | |
| Long-term debt | 4 | 5 | |
| Total interest expense | 41 | 46 | |
| Net interest income | 80 | 78 | |
| Provision for credit losses | 463,326 | 2 | |
| Net interest income after provision for credit losses | 80 | 76 | |
| Customer service fees | 3 | 3 | |
| Net gains on sales of premises and equipment | 37,605 | 759,482 | |
| Net gains on sales of foreclosed assets | 160,996 | 153,346 | |
| ATM fees | 3 | 3 | |
| Increase in BOLI | 1 | 1 | |
| Other | 2 | 2 | |
| Total noninterest income | 10 | 11 | |
| Salaries and employee benefits | 23 | 25 | |
| Occupancy | 3 | 4 | |
| Data processing | 5 | 4 | |
| Deposit insurance premiums | 972,084 | 1 | |
| Professional fees | 846,243 | 1 | |
| Depreciation and amortization | 4 | 4 | |
| Other | 6 | 7 | |
| Total noninterest expense | 42 | 46 | |
| Income before income taxes | 47 | 41 | |
| Provision for income taxes | 10 | 9 | |
| Net Income | 37 | 32 | |
| Less: net income attributable to noncontrolling interest | — | 275,857 | |
| Net income attributable to Commercial Bancgroup, Inc. | 37 | 31 | |
| Basic (in Dollars per share) | 2.95 | 2.58 | |
| Diluted (in Dollars per share) | 2.95 | 2.54 |
Consolidated Balance Sheet
| Concept | Trend | FY 2025 2025-12-31 | FY 2024 2024-12-31 | FY 2023 2023-12-31 |
|---|---|---|---|---|
| Cash and due from banks | 26 | 19 | — | |
| Federal funds sold | 25 | 44 | — | |
| Interest-bearing deposits in banks | 93 | 115 | — | |
| Cash and cash equivalents | 144 | 178 | — | |
| Available-for-sale securities | 43 | 48 | — | |
| Held-to-maturity securities | 98 | 128 | — | |
| Loans, net of allowance for credit losses of $18,096,173 and $18,205,421 at December 31, 2025 and 2024, respectively | 1,855 | 1,789 | — | |
| Premises and equipment, net | 50 | 50 | — | |
| Restricted stock, at cost | 11 | 8 | — | |
| Foreclosed assets held for sale, net | 253,000 | 831,662 | — | |
| Interest receivable | 7 | 7 | — | |
| Bank owned life insurance | 47 | 46 | — | |
| Core deposits and other intangibles | 4 | 6 | — | |
| Goodwill | 9 | 9 | 9 | |
| Deferred tax asset | 1 | 1 | — | |
| Other | 22 | 30 | — | |
| Total assets | 2,291 | 2,301 | — | |
| Demand | 914 | 976 | — | |
| Savings, NOW and money market | 415 | 386 | — | |
| Time | 487 | 577 | — | |
| Total deposits | 1,816 | 1,939 | — | |
| Short-term borrowings | 88 | 3 | — | |
| Long-term debt | 79 | 106 | — | |
| Interest payable | 3 | 4 | — | |
| Other liabilities | 21 | 29 | — | |
| Total liabilities | 2,006 | 2,081 | — | |
| Common stock $0.01 par value; 50,000,000 shares authorized; 13,697,987 shares issued and outstanding on December 31, 2025; 12,113,144 at December 31, 2024 | 136,980 | 121,131 | — | |
| Additional paid-in capital | 38 | 9 | — | |
| Retained earnings | 248 | 212 | — | |
| Accumulated other comprehensive loss | −674,902 | −2 | — | |
| Total shareholders equity | 285 | 220 | — | |
| Total liabilities and shareholders equity | 2,291 | 2,301 | — |
Consolidated Statement of Cash Flows
| Concept | Trend | FY 2025 2025-12-31 | FY 2024 2024-12-31 |
|---|---|---|---|
| Depreciation | 2 | 2 | |
| Amortization of core deposit intangible | 2 | 2 | |
| Securities amortization and (accretion), net | −2 | 484,515 | |
| Stock compensation | 124,375 | 2 | |
| Provision for losses on foreclosed assets | 4,500 | 41,750 | |
| Deferred income taxes | −227,793 | −1 | |
| Interest receivable | −263,741 | 1 | |
| Other assets | 9 | −2 | |
| Other liabilities | −8 | 1 | |
| Increase in BOLI | −1 | −1 | |
| Interest payable | −1 | 1 | |
| Net cash provided by operating activities | 37 | 39 | |
| Purchases of available-for-sale securities | −32 | −30 | |
| Proceeds from sales, maturities and calls of available-for-sale securities | 38 | 34 | |
| Proceeds from sales, maturities and calls of held-to-maturity securities | 135 | 47 | |
| Purchases of held-to-maturity securities | −103 | −17 | |
| Net change in loans | −68 | −121 | |
| Purchase of premises and equipment, net | −2 | −3 | |
| Proceeds from sales of premises and equipment | 288,209 | 3 | |
| Proceeds from the sales of foreclosed assets | 1 | 747,928 | |
| Purchase of restricted stock, at cost | −6 | −1 | |
| Redemption of restricted stock, at cost | 2 | 2 | |
| Death benefits received | 527,298 | 80,780 | |
| Payments relating to foreclosed assets | −11,989 | — | |
| Net cash used in investing activities | −33 | −85 | |
| Net (decrease) increase in deposits | −123 | 119 | |
| Proceeds from short-term borrowings | 185 | 69 | |
| Repayments of short-term borrowings | −100 | −72 | |
| Proceeds from long-term borrowings | 8 | 2 | |
| Repayments of long-term borrowings | −36 | −40 | |
| Repurchase of common stock | −980,800 | −2 | |
| Issuance of common stock, net | 30 | — | |
| Acquisition of minority interest | — | −6 | |
| Payment of dividends | −2 | −2 | |
| Net cash provided by (used in) financing activities | −38 | 69 | |
| (Decrease) increase in cash and cash equivalents | −34 | 22 | |
| Interest paid | 42 | 44 | |
| Income taxes paid | 10 | 10 | |
| Unrealized gain(loss) on AFS securities | 889,604 | 159,769 | |
| Transfer of loans to OREO | 539,146 | 421,963 |
Filings
Material Events
Insiders
Institutional Holders
Frequently asked questions
What is Commercial Bancgroup, Inc.'s CIK number?
Commercial Bancgroup, Inc.'s SEC CIK number is 0001981546 (1981546). The CIK (Central Index Key) is the permanent identifier the SEC assigns to every EDGAR filer — unlike a ticker symbol, it never changes.
Where can I find Commercial Bancgroup, Inc.'s SEC filings?
All of Commercial Bancgroup, Inc.'s EDGAR filings — 10-K annual reports, 10-Q quarterly reports, 8-K material events, and insider transactions — are listed on this page, sourced live from SEC EDGAR.
When did Commercial Bancgroup, Inc. last report earnings?
Commercial Bancgroup, Inc. (CBK) most recently filed an earnings 8-K with the SEC on Apr 27, 2026, furnishing its results under Item 2.02 (Results of Operations and Financial Condition). The earnings press release is attached to that filing (accession 0001213900-26-047976). This is Commercial Bancgroup, Inc.'s most recent earnings filing of record — not a forecast of its next earnings date.
What is Commercial Bancgroup, Inc.'s most recent earnings 8-K?
Commercial Bancgroup, Inc.'s latest earnings 8-K (Item 2.02) was filed Apr 27, 2026 under accession 0001213900-26-047976. It carries the quarterly or annual earnings press release — the earliest official, SEC-filed version of the results.
View Commercial Bancgroup, Inc.'s latest earnings 8-K →
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