bank

Commercial Bank

Harrogate, TN · Est. 1976 · Website ↗
A
Trust Grade
Excellent
Score: 98/100

Commercial Bank is a bank based in Harrogate, Tennessee, established in 1976, with $2.3 billion in total assets across 40 branches. By Trust Grade it ranks 12th of 109 banks we track in Tennessee. Its capital ratio of 10.9% is stronger than 60% of similarly sized banks, versus a Tennessee median of 9.8%. It was profitable over the most recent period, with a 1.81% return on assets. No consumer complaints against Commercial Bank appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.

Total assets
$2.3B
$1B–10B institution
Deposits
$1.9B
Branches
40
Capital ratio
10.9%
Top 40% of $1B–10B peers · Tennessee median 9.8%
Return on assets
1.8%
Top 16% of $1B–10B peers · Tennessee median 1.07%
Rank in Tennessee
#12
of 109 banks

How Commercial Bank compares to Tennessee peers

Capital ratio
Top 40% of $1B–10B peers
Commercial Bank
10.9%
Tennessee median
9.8%
Higher capital ratio = stronger financial cushion
Return on assets
Top 16% of $1B–10B peers
Commercial Bank
1.8%
Tennessee median
1.1%
Higher ROA = more profitable relative to asset base

How we graded Commercial Bank

The Trust Grade blends financial strength with complaint history. Full methodology →

Financial strength
98/100
Customer experience
n/a
Overall
A · 98
  • Strongly capitalized (10.9% capital ratio)
  • Strongly profitable (ROA 1.81%)
  • No CFPB complaints on record

Consumer complaints (CFPB)

No CFPB complaints are on file for Commercial Bank over the analysis window. For a smaller institution this is common and counts in its favor.

Branch locations (40)

  • 130 S Broad St, New Tazewell, TN 37825
  • 262 E Broadway, Newport, TN 37821
  • 6710 Cumberland Gap Pkwy, Harrogate, TN 37752
  • 202 S Main St, London, KY 40741
  • 7100 Cumberland Gap Pkwy, Harrogate, TN 37752
  • 1811 N Main St, London, KY 40741
  • 1730 Highway 192 W, London, KY 40741
  • 775 W Cumberland Gap Pkwy, Corbin, KY 40701
  • 312 Knox St, Barbourville, KY 40906
  • 603 Knox St, Barbourville, KY 40906
  • 1149 South Us 25 E, Barbourville, KY 40906
  • 1285 W Cumberland Gap Pkwy, Corbin, KY 40701
  • 111 Tazewell Pike, Luttrell, TN 37779
  • 2600 Maynardville Hwy, Maynardville, TN 37807
  • 774 Cosby Hwy, Newport, TN 37821
  • 7675 Highway #63, Speedwell, TN 37870
  • 1001 North Broad Street, New Tazewell, TN 37825
  • 7400 Maynardville Pike, Knoxville, TN 37938
  • 420 E Emory Rd, Powell, TN 37849
  • 1701 E Main St, Cumberland, KY 40823
  • 5320 N Broadway St, Knoxville, TN 37918
  • 10413 Kingston Pike, Knoxville, TN 37922
  • 1431 Cumberland Ave, Middlesboro, KY 40965
  • 155 Terrace Ln, Morristown, TN 37813
  • 292 W Main Ave, Gastonia, NC 28052
  • 412 S Dekalb St, Shelby, NC 28150
  • 2320 S Us Highway 421, Harlan, KY 40831
  • 533 W Tennessee Ave, Pineville, KY 40977
  • 2227 Union Rd, Gastonia, NC 28054
  • 1072 E Stone Dr, Kingsport, TN 37660
  • 1880 N Eastman Rd, Kingsport, TN 37664
  • 1616 W Market St, Johnson City, TN 37604
  • 1140 Cumberland Falls Hwy, Corbin, KY 40701
  • 225 W 1st North St, Morristown, TN 37814
  • 108 E Main St, Kingsport, TN 37660
  • 3100 West End Ave, Nashville, TN 37203
  • 122 Franklin Rd Ste 130, Brentwood, TN 37027
  • 1113 Shelby Rd, Kings Mountain, NC 28086
  • 226 E Main St, Lincolnton, NC 28092
  • 202 N Main St, Barbourville, KY 40906

Are deposits at Commercial Bank insured?

Yes. Commercial Bank is an FDIC-insured bank (FDIC certificate #22354). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.

Commercial Bank: frequently asked questions

Is Commercial Bank a good bank?

Commercial Bank earns a Bankzia Trust Grade of A (98/100, "Excellent"), based on a financial-strength score of 98/100 (it has no CFPB complaints on record). Strongly capitalized (10.9% capital ratio); Strongly profitable (ROA 1.81%).

Is Commercial Bank FDIC-insured?

Yes. Commercial Bank is a FDIC-insured bank (FDIC certificate #22354). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.

How big is Commercial Bank?

Commercial Bank holds $2.3 billion in total assets, ranking 12th of 109 banks we track in Tennessee. It operates 40 branches.

Does Commercial Bank have CFPB complaints?

No CFPB complaints against Commercial Bank appear in our data over the analysis window, which is typical for a bank of this size.

Similar Banks

Builtwell Bank
bank · Chattanooga, TN · $2.3B assets
Bank Of Tennessee
bank · Kingsport, TN · $2.1B assets
Citizens National Bank
bank · Sevierville, TN · $2.0B assets
Home Federal Bank Of Tennessee
bank · Knoxville, TN · $2.7B assets
First Farmers And Merchants Bank
bank · Columbia, TN · $1.8B assets
Wellworth Bank
bank · Lafayette, TN · $1.8B assets

Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.

From the Blog

View all guides →
Stacks of coins of increasing height — representing savings held at a bank
Banking Guides
How Much Money Should You Keep in One Bank?
FDIC and NCUA insurance covers $250,000 per depositor, per ownership category, per institution. Here's how to think about how much to keep at a single bank — and when to spread it out.
June 25, 2026 · 4 min read
A jar of coins with a small plant growing out of it — representing savings growth
Banking Guides
High-Yield Savings Accounts: What to Know in 2026
High-yield savings accounts can pay many times the national average rate — with the same FDIC insurance as any other deposit. Here's how they work and what to watch for.
June 25, 2026 · 4 min read
A person using a card reader at a counter — representing everyday banking
Banking Guides
Are Credit Unions Safer Than Banks?
Credit unions and banks are insured by different agencies but to the same $250,000 limit. Here's what 'safer' really means — and where the two genuinely differ.
June 25, 2026 · 4 min read
A person reviewing finances on a laptop with a notebook — representing switching banks
Banking Guides
How to Switch Banks Without the Headache
Switching banks sounds painful, but a clean move comes down to a short checklist: open the new account, move your automatic payments, then close the old one carefully.
June 25, 2026 · 5 min read
Financial data on a computer screen showing bank performance metrics
State Guides
Most Trustworthy Banks in Wisconsin (2026)
We analyzed all 154 FDIC-insured banks headquartered in Wisconsin using financial strength and CFPB complaint data. Here are the most trustworthy banks in the state.
June 25, 2026 · 8 min read
Person using a contactless payment card at a terminal
State Guides
Most Trustworthy Credit Unions in Wisconsin (2026)
We analyzed all 99 NCUA-insured credit unions in Wisconsin by net worth ratio, ROA, and CFPB complaint data. Here are the most trustworthy.
June 25, 2026 · 7 min read
Stacked financial documents representing bank complaint records
State Guides
Banks to Avoid in Wisconsin: Lowest Trust Grade Ratings (2026)
2 banks in Wisconsin earned a D or F Trust Grade. Here are the lowest-rated FDIC-insured banks in the state — and what the warning signs mean for depositors.
June 25, 2026 · 7 min read
Customer service interaction at a financial institution
State Guides
Credit Unions to Avoid in Wisconsin: Lowest Trust Grade Ratings (2026)
1 credit unions in Wisconsin earned a D or F Trust Grade. Here are the lowest-rated NCUA-insured credit unions in the state — and what the warning signs mean.
June 25, 2026 · 7 min read
Financial data on a computer screen showing bank performance metrics
State Guides
Most Trustworthy Banks in Michigan (2026)
We analyzed all 73 FDIC-insured banks headquartered in Michigan using financial strength and CFPB complaint data. Here are the most trustworthy banks in the state.
June 25, 2026 · 8 min read