Revenue: As of FY2025 Q4, the actual value is USD 23.48 M.EPS: As of FY2025 Q4, the actual value is USD 0.72.EBIT: As of FY2025 Q4, the actual value is USD -8.105 M.<h3>Company Overview and Financial Highlights</h3>As of December 31, 2025, Commercial Bancgroup, Inc. reported Total Assets of $2.3 Billion, Total Loans of $1.9 Billion, and Total Deposits of $1.8 Billion. The company’s core deposit base was strong, with 50% comprising demand deposits at that time .<h3>Operational Metrics</h3><h4>Tangible Book Value Per Share</h4><ul><li>2020: $1.08 </li><li>2021: $1.58 </li><li>2022: $2.08 </li><li>2023: $2.54 </li><li>2024: $2.75 </li><li>2025: $2.96 </li></ul><h4>Core Efficiency Ratio</h4><ul><li>2020: 66% </li><li>2021: 56% </li><li>2022: 50% </li><li>2023: 47% </li><li>2024: 49% </li><li>2025: 47% </li></ul><h4>Core Return on Average Tangible Common Equity (ROATCE)</h4><ul><li>2020: 11.6% </li><li>2021: 15.1% </li><li>2022: 17.2% </li><li>2023: 18.7% </li><li>2024: 17.6% </li><li>2025: 16.5% </li></ul><h4>Core Return on Average Assets (ROAA)</h4><ul><li>2020: 0.85% </li><li>2021: 1.14% </li><li>2022: 1.46% </li><li>2023: 1.56% </li><li>2024: 1.51% </li><li>2025: 1.66% </li></ul><h4>Reported Pre-Provision Net Income (PPNI)</h4><ul><li>2020: $19.1 million </li><li>2021: $25.7 million </li><li>2022: $33.1 million </li><li>2023: $43.0 million </li><li>2024: $42.4 million </li><li>2025: $47.9 million </li></ul><h4>Capital Ratios (as of December 31, 2025)</h4><ul><li>Common Equity Tier 1 (CET1) Ratio: 11.4% </li><li>Tier 1 Capital Ratio: 11.4% </li><li>Total Risk-based Capital Ratio: 16.0% </li><li>Tangible Common Equity (TCE) Ratio: 10.2% </li></ul><h3>Asset Quality</h3><h4>Net Charge-offs (Recoveries) / Average Loans (%)</h4><ul><li>2020: 0.01% ($173) </li><li>2021: 0.01% ($113) </li><li>2022: -0.09% ($-1,092) </li><li>2023: 0.01% ($87) </li><li>2024: 0.01% ($259) </li><li>2025: 0.03% ($525) </li></ul><h4>Non-Performing Assets (NPAs) and 90 Days Past Due / Assets (%)</h4><ul><li>2020: 1.48% ($23,839) </li><li>2021: 0.41% ($7,095) </li><li>2022: 0.33% ($5,722) </li><li>2023: 0.29% ($6,276) </li><li>2024: 0.26% ($5,893) </li><li>2025: 0.28% ($6,498) </li></ul><h4>Loan Loss Reserve / NPAs (%)</h4><ul><li>2020: 46% ($10,907) </li><li>2021: 158% ($11,189) </li><li>2022: 228% ($13,060) </li><li>2023: 265% ($16,636) </li><li>2024: 309% ($18,205) </li><li>2025: 274% ($17,830) </li></ul><h4>Criticized and Classified Loans / Loans (%)</h4><ul><li>2020: 3.10% </li><li>2021: 2.10% </li><li>2022: 1.50% </li><li>2023: 1.40% </li><li>2024: 1.30% </li><li>2025: 0.90% </li></ul><h3>Loan Portfolio Credit Quality Indicators (as of December 31, 2025)</h3><ul><li>Real Estate Secured ($1.1 Billion Total): Pass: 99.1%, Special Mention: 0.56%, Substandard: 0.34% </li><li>Commercial ($377.9 Million Total): Pass: 99.4%, Special Mention: 0.14%, Substandard: 0.51% </li><li>Other Residential ($14.8 Million Total): Pass: 100.0% </li><li>Construction Land Development ($176.7 Million Total): Pass: 99.5%, Special Mention: 0.46%, Substandard: 0.08% </li><li>Consumer ($15.4 Million Total): Pass: 99.6%, Special Mention: 0.04%, Substandard: 0.34% </li><li>Other ($7.5 Million Total): Pass: 99.2%, Special Mention: 0.79%, Substandard: 0.01% </li></ul><h3>Investment Portfolio (as of December 31, 2025)</h3><h4>Yield on Investments (%)</h4><ul><li>2020: 2.04% </li><li>2021: 1.32% </li><li>2022: 1.07% </li><li>2023: 1.28% </li><li>2024: 1.83% </li><li>2025: 2.75% </li></ul><h4>Unrealized Gains (Losses) on AFS Portfolio (% of Total Equity)</h4><ul><li>2020: 0.20% </li><li>2021: 0.00% </li><li>2022: -0.01% </li><li>2023: -0.01% </li><li>2024: -0.01% </li><li>2025: -0.01% </li></ul><h3>Outlook / Guidance</h3>Commercial Bancgroup, Inc. plans a growth and expansion strategy focused on strengthening its presence in higher-growth markets within Tennessee and North Carolina, with an emphasis on commercial banking for small and medium-sized businesses and consumers. The company aims to deliver top-tier shareholder returns through EPS and Tangible Book Value Per Share (TBVPS) growth, achieved via organic growth, disciplined mergers and acquisitions, de novo expansion, and funding asset growth through core deposit generation, while leveraging technology for enhanced customer experience and productivity .

Commercial Bancgroup | 8-K: FY2025 Q4 Revenue: USD 23.48 M