Commercial Bancgroup, Inc.
Commercial Bancgroup, Inc. (Nasdaq: CBU) operates as a bank holding company providing comprehensive financial services through its wholly owned subsidiary, Commercial Bank, a Tennessee-chartered banking institution. The company delivers traditional consumer and commercial banking products and services to businesses… From the company’s description.
Margins and return on equity change in ; everything else in percent. Fewer shares and less debt are shown plainly, not as bad news — it depends what you make of buybacks. Dotted labels explain each measure. is shown separately from the annual figures.
What Commercial Bancgroup, Inc. does
In the company’s own words
Commercial Bancgroup, Inc. (Nasdaq: CBU) operates as a bank holding company providing comprehensive financial services through its wholly owned subsidiary, Commercial Bank, a Tennessee-chartered banking institution. The company delivers traditional consumer and commercial banking products and services to businesses and individuals across select markets in Kentucky, North Carolina, and Tennessee.
As of December 31, 2025, Commercial Bancgroup maintains total consolidated assets of $2.3 billion, loans net of allowance for credit losses of $1.9 billion, deposits of $1.8 billion, and total shareholders' equity of $285.3 million. The company operates 34 banking offices and one loan production office across its service territories. The Bank employs 281 full-time employees and 17 part-time employees.
The company's primary service areas include metropolitan statistical areas in Nashville-Davidson-Murfreesboro-Franklin, Knoxville, and the Tri-Cities region of Tennessee, as well as rural markets in Claiborne, Cocke, Union, and Hamblen counties. In Kentucky, Commercial Bancgroup serves Southeast Kentucky communities including Barbourville, Corbin, Cumberland, Harlan, London, Middlesboro, and Pineville. The company expanded into North Carolina following its July 2024 merger with Alliance Bank & Trust Company, establishing a presence in the Charlotte metropolitan area with branches in Shelby, Kings Mountain, and Gastonia.
The company targets small and mid-sized businesses with annual revenues up to $300 million, along with commercial real estate owners and consumers. Core products include commercial and construction lending, real estate financing, consumer mortgages, home equity lines of credit, and deposit services. The company maintains a core deposit ratio of 91.6% of total deposits and a loan-to-deposit ratio of 103.2%, reflecting its relationship-based banking model focused on low-cost core customer deposits.
Commercial Bancgroup completed its initial public offering on October 3, 2025, offering 7,173,092 shares at $24.00 per share. The company has pursued growth through both organic expansion and strategic acquisitions, complementing its organic loan growth of nine percent and deposit growth of six percent between December 31, 2020 and December 31, 2025. The company maintains a financial holding company status and operates under comprehensive federal and state banking regulations administered by the Federal Reserve, FDIC, and Tennessee Department of Financial Institutions.
Company details
- Sector
- Financials
- Industry
- Banks & Brokers
- Headquarters
- HARROGATE, TN
- Fiscal year end
- December
- CIK
- 1981546
- SIC
- 6022
Financial performance, year by year
Fiscal 2025–2025 · USDThe full income statement, balance sheet and cash flow for each of these years — every figure traceable to its filing — is on the Financials tab with a free account.
Who owns Commercial Bancgroup, Inc. — and what changed
Funds as of 2026Q2 · superinvestors as of 2026-06-30
Largest fund holders · Commercial Bancgroup, Inc.’s weight in each
Fund ownership is a floor, not a census — pensions, insurers and people holding shares directly are not visible here.
Could not be determined for this company: bond issues.
Every fund and institutional holder, quarter by quarter, is on the Ownership tab with a free account.
Recent filings
All filings →Each filing opens into its own statements and disclosures here.
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