B
Commercial Bank
Rating Date
August 2026
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 7.00
Capitalization Index 10.00
Liquidity Index 2.40
Profitability Index 9.50
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 5.24%
5-Year Asset Growth 8.13%
5-Year Charge-Offs to Average Loans 0.00%
Charge-Offs to Average Loans -0.01%
Non-Performing Assets to Assets 0.31%
Non-Performing Loans to Capital 2.39%
Non-Performing Loans to Loans 0.35%
Balance Sheet Commercial Bank
Harrogate, TN
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Total Assets 2.36B
Total Deposits 1.91B
Capital and Reserves Commercial Bank
Harrogate, TN
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Capital 261.90M
Leverage Ratio 11.58
Loan Loss Reserves to Loans 0.97%
Risk-Based Capital Ratio 13.97
Liquidity Commercial Bank
Harrogate, TN
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Hot Money Ratio 16.33%
Liquidity Ratio 9.75%
Profitability Commercial Bank
Harrogate, TN
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5-Year Return on Average Assets 1.63%
Net Income 21.01M
Net Interest Spread 3.99%
Operating Profit to Average Assets 2.37%
Overhead Efficiency Ratio 42.40%
Return on Assets 1.87%
Return on Equity 16.72%