Total Assets
$2.4B
Total Deposits
$1.9B
Branches
40
Established
1976
Commercial Bank is a bank headquartered in Harrogate, Tennessee, established in 1976. It holds $2.4B in total assets across 40 branch locations. In our editorial opinion, based on public FDIC/NCUA data, Commercial Bank earns a TFS Financial Health Grade of A- (86.5/100) — our editorial assessment, not an official rating or financial advice.
TFS Health Grade
86.5 / 100
Excellent financial health
How we gradeTFS Health Grades are our editorial opinion based on public FDIC/NCUA data — not an official rating, not financial advice.
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Financial data through June 30, 2026. Updated by TFS August 28, 2026. Data sourced from FDIC BankFind Suite as of 2026-Q2. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from CFPB Consumer Complaint Database. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
| Branch | Address | City | State | Type |
|---|---|---|---|---|
| Commercial BankHQ | 6710 Cumberland Gap Pkwy | Harrogate | TN | 11 |
| Commercial Bank | 1149 South Us 25 E | Barbourville | KY | 11 |
| Commercial Bank | 312 Knox St | Barbourville | KY | 23 |
| Commercial Bank | 202 N Main St | Barbourville | KY | 21 |
| Commercial Bank | 603 Knox St | Barbourville | KY | 11 |
| Commercial Bank | 775 W Cumberland Gap Pkwy | Corbin | KY | 11 |
| Commercial Bank | 1140 Cumberland Falls Hwy | Corbin | KY | 11 |
| Commercial Bank | 1285 W Cumberland Gap Pkwy | Corbin | KY | 11 |
| Commercial Bank | 1701 E Main St | Cumberland | KY | 11 |
| Commercial Bank | 2320 S Us Highway 421 | Harlan | KY | 11 |
| Commercial Bank | 202 S Main St | London | KY | 11 |
| Commercial Bank | 1811 N Main St | London | KY | 11 |
| Commercial Bank | 1730 Highway 192 W | London | KY | 11 |
| Commercial Bank | 1431 Cumberland Ave | Middlesboro | KY | 11 |
| Commercial Bank | 533 W Tennessee Ave | Pineville | KY | 11 |
| Commercial Bank | 292 W Main Ave | Gastonia | NC | 11 |
| Commercial Bank | 2227 Union Rd | Gastonia | NC | 11 |
| Commercial Bank | 1113 Shelby Rd | Kings Mountain | NC | 11 |
| Commercial Bank | 226 E Main St | Lincolnton | NC | 24 |
| Commercial Bank | 412 S Dekalb St | Shelby | NC | 11 |
| Commercial Bank | 5500 Maryland Way | Brentwood | TN | 11 |
| Commercial Bank | 7100 Cumberland Gap Pkwy | Harrogate | TN | 11 |
| Commercial Bank | 1616 W Market St | Johnson City | TN | 11 |
| Commercial Bank | 108 E Main St | Kingsport | TN | 24 |
| Commercial Bank | 1072 E Stone Dr | Kingsport | TN | 11 |
| Commercial Bank | 1880 N Eastman Rd | Kingsport | TN | 24 |
| Commercial Bank | 5320 N Broadway St | Knoxville | TN | 11 |
| Commercial Bank | 7400 Maynardville Pike | Knoxville | TN | 11 |
| Commercial Bank | 10413 Kingston Pike | Knoxville | TN | 11 |
| Commercial Bank | 111 Tazewell Pike | Luttrell | TN | 11 |
| Commercial Bank | 2600 Maynardville Hwy | Maynardville | TN | 11 |
| Commercial Bank | 225 W 1st North St | Morristown | TN | 11 |
| Commercial Bank | 155 Terrace Ln | Morristown | TN | 11 |
| Commercial Bank | 3100 West End Ave | Nashville | TN | 24 |
| Commercial Bank | 262 E Broadway | Newport | TN | 11 |
| Commercial Bank | 774 Cosby Hwy | Newport | TN | 11 |
| Commercial Bank | 130 S Broad St | New Tazewell | TN | 11 |
| Commercial Bank | 1001 North Broad Street | New Tazewell | TN | 11 |
| Commercial Bank | 420 E Emory Rd | Powell | TN | 11 |
| Commercial Bank | 7675 Highway #63 | Speedwell | TN | 11 |
Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from FDIC Enforcement Decisions and Orders / NCUA. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
TFS Financial Health Grades represent our editorial assessment based on publicly available data and our proprietary methodology. They do not represent financial advice or an official government rating. Data on this page is sourced from federal government databases and is believed to be accurate.
Benchmarked against 60 active, federally insured banks reporting in the same quarter and holding roughly 0.5×–2× its assets. Same-state and overlapping-market peers are prioritized.
TFS health score
86.5
Tier 1 capital ratio
11.58%
Return on assets
1.82%
Non-performing loans
0.35%
Efficiency ratio
40.80%
Asset growth (YoY)
5.24%
Suggested direct comparisons
$10.1B
$2.7B
Complaint percentiles are intentionally withheld while TFS audits CFPB company matching and import coverage. Peer conclusions use complete same-quarter regulatory metrics only.