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Overview / Commentary
101 North Poplar St.
Paris, TN 38242

Commercial Bank and Trust is headquartered in Paris and is the 22nd largest bank in the state of Tennessee. It is also the 1,023rd largest bank in the nation. It was established in 1877 and as of March of 2014, it had grown to 164 employees at 12 locations. Commercial Bank and Trust has a B+ health rating.

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Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Commercial Bank and Trust had $6.64 million in non-current loans and owned real-estate with $78.3 million in equity and loan loss allowances on hand to cover it. This gives Commercial Bank and Trust a Texas Ratio of 8.48% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Commercial Bank and Trust decreased slightly from 9.53% as of March 31, 2013 to 8.48% as of March 31, 2014, resulting in a positive change of 11.01%.This indicates that the balance sheet and financial strength for Commercial Bank and Trust has improved slightly in recent periods.

Deposit Growth


In the past year, Commercial Bank and Trust has decreased its total deposits by -$2.41 million, resulting in -0.41% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Commercial Bank and Trust has shown is average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Commercial Bank and Trust has $666.88 million in assets with $78.3 million in equity, resulting in a capitalization level of 11.74%, which is excellent.

Institution Statistics

FDIC Certificate #8660
Year Established1877
Primary RegulatorFDIC
Assets and Liabilities
Assets$666.88 million
Loans$432.59 million
Deposits$590.88 million
Equity Capital$71.12 million
Loan Loss Allowance$7.18 million
Unbacked Noncurrent Loans$6.15 million
Real Estate Owned$494,000
Historic Data - March 2013
Assets$675.22 million
Equity Capital$71.51 million
Loan Loss Allowance$6.30 million
Unbacked Noncurrent Loans$6.15 million
Real Estate Owned$564,000
Profit Margin - Quarterly
Net Interest Margin3.65%
Return on Assets1.33%
Return on Equity12.74%
Interest Income$6.20 million
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Commercial Bank and Trust Checking Account Rates

1.60%-$15kChoice Checking - Qualifying
0.05%--Choice Checking - Non Qualifying

Commercial Bank and Trust has 11 locations. Click to view all Commercial Bank and Trust locations.