The Commercial Bank

4 Church Street
Honea Path, SC 29654


2019 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 14642
Date Established 1934
Assets $0.19 billion
Loans $0.07 billion
Deposits $0.16 billion
Capital $0.03 billion

The Commercial Bank is an FDIC insured institution located in Honea Path, SC. It was founded in 1934 and has approximately $0.19 billion in assets. Customers can open an account at one of its 7 branches.

For a more detailed analysis of The Commercial Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - August 19, 2019

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
Money Market
0.15% $2,500 $9,999 Learn MoreShow Less
Money Market
0.25% $10,000 $24,999 Learn MoreShow Less
Money Market
0.30% $25,000 - Learn MoreShow Less
3 Mo CD
0.40% $500 - Learn MoreShow Less
6 Mo CD
0.45% $500 - Learn MoreShow Less
12 Mo CD
0.70% $500 - Learn MoreShow Less
18 Mo CD
0.80% $500 - Learn MoreShow Less
24 Mo CD
0.85% $500 - Learn MoreShow Less
30 Mo CD
0.95% $500 - Learn MoreShow Less
36 Mo CD
1.30% $500 - Learn MoreShow Less

Fixed IRA
0.70% $500 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.10% $1,000 - Learn MoreShow Less

Loan Rates - August 19, 2019

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for The Commercial Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2019

Lender APR Rate (%) Points Fees Monthly
Learn More
Rocket Mortgage
NMLS ID: 3030
4.750% 4.750% 0.00 $0 $1,305 Learn More
First Internet Bank
NMLS ID: 424182
3.767% 3.750% 0.25 $505 $1,158 Learn More
NMLS ID: 2890
License#: MC-3098
3.414% 3.375% 0.50 $1,238 $1,106 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
4.490 %
$0 Learn More
More Info

Note to The Commercial Bank
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Financial Details

The Commercial Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of The Commercial Bank. The data is provided by the FDIC. All banks listed on are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
The Commercial Bank U.S. Bank Average
5.59% 6.94%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of March 31, 2019, The Commercial Bank had $1,458,000 in non-current loans and $75,000 in owned real estate. To cover these potential losses it had $26,333,000 in equity and $1,093,000 in loans loss reserves. That gives it a Texas Ratio of 5.59%.

Return on Equity
The Commercial Bank U.S. Bank Average
10.11% 9.47%

The Commercial Bank has a Return on Equity of 10.11% versus the BestCashCow average of 9.47%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

The Commercial Bank U.S. Bank Average
13.93% 12.49%

The Commercial Bank has a Capitalization of 13.93% versus the BestCashCow average of 12.49. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

The Commercial Bank Balance Sheet Analysis

As of March 31, 2019, The Commercial Bank had assets of $188,971,000, loans of $66,021,000, and deposits of $162,020,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

March 31, 2019
Cash & Balances due from depository institutions $0.02 billion
Interest-bearing balances $0.01 billion
Total securities $0.06 billion
Federal funds sold and reverse repurchase $0.04 billion
Net loans and leases $0.07 billion
Loan loss allowance $0.00 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.00 billion
     Total Assets $0.16 billion
Total deposits $0.16 billion
      Interest-bearing deposits $0.12 billion
      Deposits held in domestic offices $0.16 billion
      % insured (estimated) 88.28%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.00 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.16 billion
      Shareholders’ Equity $0.03 billion

Summary Income Statement

March 31, 2019
Total Interest Income $0.00 billion
Total Interest Expense $0.00 billion
Net interest income $0.00 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.00 billion
Pre-tax Net Operating Income $0.00 billion

Bank Loan Profile?

The top three loan types in The Commercial Bank’s loan portfolio are 1-4 Family Residential Loans, Commercial Real Estate, and Commercial and Industrial Loans.

Compared to other banks, The Commercial Bank’s loan portfolio does not show any specific loan specialty.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 48.78
Credit Card Loans 0.00
Consumer Auto Loans 5.37
Small Business Loans 0.00
Construction and Development Loans 6.06
Commercial Real Estate 29.63
Commercial and Industrial Loans 6.50
Farm Loans 0.00

Frequently Asked Questions About The Commercial Bank

Branches and Savings

Is The Commercial Bank FDIC insured?

Yes. It is covered under FDIC Certificate #14642.

Why does The Commercial Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are The Commercial Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is The Commercial Bank a commercial bank?


Where are The Commercial Bank locations?

See branch locations nearby.

Is The Commercial Bank open on Saturdays?

Is The Commercial Bank open on Sundays?

What time does The Commercial Bank open?

What time does The Commercial Bank close?

Are The Commercial Bank ATMs Open 24/7?

Do The Commercial Bank ATMs accept cash deposits?

Can The Commercial Bank customers use other ATMs?

Do The Commercial Bank branches have notaries?

Will The Commercial Bank notarize my document?

What address for The Commercial Bank should I put for incoming ACH transfers?

Will the The Commercial Bank branch print checks?

Do The Commercial Bank checks expire?

Does The Commercial Bank require US citizenship to open account?

Can The Commercial Bank close my account?

Does The Commercial Bank Report to credit bureaus?

Does The Commercial Bank Use Equifax?

What is The Commercial Bank's ACH Routing Number?

What is The Commercial Bank's SWIFT code?


Does The Commercial Bank offer mortgages?

Compare mortgage rates here.

Does The Commercial Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does The Commercial Bank offer personal loans?

Compare personal loan rates here.

Does The Commercial Bank offer student loans?

Will The Commercial Bank cash a check?

Will The Commercial Bank redeem a savings bond?

Does The Commercial Bank cash savings bonds?

Will The Commercial Bank cash money orders?

Can The Commercial Bank issue a money order?

Does The Commercial Bank do currency exchange?

Background on The Bank

Who owns The Commercial Bank?

How long has The Commercial Bank been around?

Can The Commercial Bank transfer to other banks?

Does The Commercial Bank have quick pay?

Does The Commercial Bank accept rolled coins?

Will The Commercial Bank accept loose change?

Where is The Commercial Bank headquarters?

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