B
Commercial Bank
Rating Date
June 2025
Risk Based
Capital Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings Commercial Bank
Harrogate, TN
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Rating B
Asset Quality Index 7.30
Capitalization Index 9.50
Liquidity Index 2.00
Profitability Index 9.10
Stability Index 5.70
Company Info Commercial Bank
Harrogate, TN
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FDIC Number 22354
Phone Number (423) 869-5151
Website www.cbtn.com
Asset Quality Commercial Bank
Harrogate, TN
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1-Year Asset Growth 16.01%
5-Year Asset Growth 15.44%
5-Year Charge-Offs to Average Loans -0.01%
Charge-Offs to Average Loans 0.02%
Non-Performing Assets to Assets 0.24%
Non-Performing Loans to Capital 1.87%
Non-Performing Loans to Loans 0.27%
Balance Sheet Commercial Bank
Harrogate, TN
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Total Assets 2.25B
Total Deposits 1.90B
Capital and Reserves Commercial Bank
Harrogate, TN
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Capital 243.27M
Leverage Ratio 10.63
Loan Loss Reserves to Loans 1.02%
Risk-Based Capital Ratio 14.01
Liquidity Commercial Bank
Harrogate, TN
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Hot Money Ratio 13.18%
Liquidity Ratio 9.97%
Profitability Commercial Bank
Harrogate, TN
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5-Year Return on Average Assets 1.51%
Net Income 9.06M
Net Interest Spread 3.75%
Operating Profit to Average Assets 2.11%
Overhead Efficiency Ratio 46.08%
Return on Assets 1.60%
Return on Equity 15.05%