Fees from its schedule are under review and appear here once review is done.
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Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
93rd percentile; peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the U.S. median
Too few fees
Fewer than 5 verified fees on file
Fee schedule read Oct 15, 2026
Call-report figures are for The Commercial Bank at the bank level, not its holding company. Revenue is net interest income plus noninterest income.
| Metric | Measure and calculation | Source and fields | Period | Retrieved |
|---|---|---|---|---|
| Total assets | Total assets at quarter end Point in time, at quarter end | FFIEC call report (bulk data) RCON2170 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Revenue | Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4074 + RIAD4079 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge income | Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4080 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge share of revenue | Service charges on deposit accounts divided by revenue (net interest + noninterest income) One quarter, as reported. Median and percentile from each of 1,412 banks with $300M to $1B in assets reporting a share above 0%, this one left out. | FDIC BankFind Suite (call report data) ISERCHGQ / (NIMQ + NONIIQ) | Q2 2026 Quarter ended Jun 30, 2026 | Not recorded |
| Fees above the U.S. median | Published fees above the U.S. median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | The Commercial Bank's published fee schedule; Bank Fee Index medians | Current schedule | Oct 15, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 6.0% of revenue, above the 2.1% median of 1,412 banks with $300M to $1B in assets (93rd percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Service-charge income was $383K in Q2 2026, 16% below the same quarter a year earlier ($456K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
Call reports for The Commercial Bank (bank level, not the holding company). Income lines are standalone quarters.
Service-charge income
Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $383K | −$2K | −0.5% |
| Q1 2026 | $385K | −$34K | −8.1% |
| Q4 2025 | $419K | −$24K | −5.4% |
| Q3 2025 | $443K | −$13K | −2.9% |
| Q2 2025 | $456K | +$14K | +3.2% |
| Q1 2025 | $442K | −$25K | −5.4% |
| Q4 2024 | $467K | +$6K | +1.3% |
| Q3 2024 | $461K | −$9K | −1.9% |
Financial cohort: 1,433 banks with $300M to $1B in assets filing for Q2 2026; 1,412 reported a share above 0% and are counted, The Commercial Bank left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to The Commercial Bank by share.
They stay out of every comparison until review is done.
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| Fee | Amount | Basis | Note |
|---|---|---|---|
Account MaintenanceUnder review | |||
| Monthly Maintenance (audience not stated, treated as personal) | $7 | per month | None |
| Monthly Maintenance (audience not stated, treated as personal) | $5 | per month | None |
| Monthly Maintenance (audience not stated, treated as personal) | $5Not compared: Daily charge, not monthly | per day | None |
| Excess Withdrawals (audience not stated, treated as personal) | $2 | per item | None |
Other feesUnder review | |||
| Funds will be transferred in increments (audience not stated, treated as personal) | $25 | Not stated | None |
| Funds will be transferred in increments of , based on the available balance in your savings account, with a (audience not stated, treated as personal) | $3 | Not stated | None |
| maintenance fee if the daily balance falls below minimum balance requirement during the month (audience not stated, treated as personal) | $5 | Not stated | None |
| Per item fee (audience not stated, treated as personal) | $5 | per month | None |
| per item fee for each transfer or withdrawal in excess of 1 per month (audience not stated, treated as personal) | $2 | per item | None |
| per item fee for each transfer or withdrawal in excess of 1 per month (audience not stated, treated as personal) | $2 | per month | None |
| per item fee for each transfer or withdrawal in excess of 3 per month (audience not stated, treated as personal) | $2 | per item | None |
| Per item fee of (audience not stated, treated as personal) | $5 | per month | None |
| per month maintenance fee if balance falls below daily balance requirement (audience not stated, treated as personal) | $7 | per month | None |
| We will charge your account (audience not stated, treated as personal) | $30 | Not stated | None |
| You’ll pay the normal overdraft fee (audience not stated, treated as personal) | $30 | per item | None |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
Oct 15, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Where The Commercial Bank operates, and what regulators and customers have on file.
Branch footprint
5 offices in 1 state, $419.2M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| 5 | $419.2M |
Athens-Clarke County, GA
6.5% of bank deposits, #7 of 19, up 1.1 points over five years.
| Largest competitors here | Deposit share |
|---|---|
| Pinnacle Bank | 21.9% |
| Bank of America, National Association | 14.6% |
| Truist Bank | 9.4% |
| First American Bank and Trust Company | 7.9% |
| Oconee State Bank | 7.9% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In Athens-Clarke County, GA, The Commercial Bank holds 6.5% of bank deposits, #7 of 19, with 5 offices.
53 offices of 24 institutions shown.
Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).
Share of bank deposits
As of June 30, 2026. FDIC-insured offices only; credit unions are not included.
8 of 19 institutions shown. $6.4B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2010 to 2026
June 2026: 6.5% share, 5 offices, #7 of 19
Deposit share
Offices
Rank (1 is largest)
Source: FDIC Summary of Deposits, as of June 30 of each year, 2010 to 2026.
Credit unions, reported separately
7 offices of 5 credit unions in the metro's cities. NCUA does not report deposits by office, so credit unions have no share above.
Source: NCUA branch file, quarter ending June 30, 2026.
Enforcement actions
None on file with the Federal Reserve
The Federal Reserve has no public enforcement action against this bank or its holding company on file.
Source: public enforcement action lists from the Federal Reserve, read November 4, 2026. The agencies don't always record when an order ends, so one with no end date may have ended. FDIC orders are not included yet. Actions against individual bank officers are left out.
Fee change alerts
Once when its schedule is verified, then when a verified fee changes.
See what a free sample Competitive Fee Position Report shows