Commercial Bancgroup, Inc.

Listed Company

CBKCIK 0001981546NasdaqNon-AcceleratedSmaller ReportingEmerging GrowthState Commercial BanksTennesseeDEFY ends Dec 31

Period

FY 2025

Revenue

—

Net Income

$37.20M

Total Assets

$2.29B

Equity

$285.34M

Shares Out

13.70M

Op. Cash Flow

$37.09M

Business

Commercial Bancgroup, Inc. is a foreign private issuer in State Commercial Banks, headquartered in Germany. Shares trade on Nasdaq under the ticker CBK.

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Financials

Consolidated Statement of Income

Year Ended · In millions, except per-share amounts

Concept	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

As of · In millions, except per-share amounts

Concept	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

Year Ended · In millions, except per-share amounts

Concept	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

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