Commercial Bank (TN)

Overview / Commentary
6710 Cumberland Gap Parkway
Harrogate, TN 37752

Commercial Bank (TN) is headquartered in Harrogate and is the 13th largest bank in the state of Tennessee. It is also the 637th largest bank in the nation. It was established in 1976 and as of June of 2021, it had grown to 277 employees at 35 locations. Commercial Bank (TN) has an A health rating.

Reviews (1)

Online Banking Failure

Posted by: |

I am a student at LMU and have been using Commercial Bank since moving to Harrogate in 2009. I chose CBTN because I needed local checks and they were the only bank around with a rewards checking account. One of the requirements for rewards checking is that you receive your statements online.

Let me tell you, Commercial Bank's online banking is an absolute failure. The password requirements are overbearing, with frequent changes. I write down what I change it to, every time, and it still locks me out all the time. I go to reset my password, and it tells me I don't have an account type that allows online password resets. When you can log in, it's not well-organized on the other side, and statements only last two months. How is that online record-keeping?

I have not enjoyed their service in person either. They're slow, they'll put holds on anything, etc. A bank check! - this isn't someone's personal check where you can worry about insufficient funds, but a check issued by a major bank itself based on actual funds.

It's been like this for the past three years. They did update their website during that time (it didn't help the password failures, just make the password requirements more onerous). I can't wait till graduation.


Health Grade Components

FDIC Certificate #22354
Year Established1976
Primary RegulatorFED
Profit Margin
Return on Assets - YTD1.33%
Return on Equity - YTD13.83%
Annual Interest Income$30.5MM
Assets and Liabilities
AssetsQ2 2021vs Q2 2020$1.65B$1.57B
LoansQ2 2021vs Q2 2020$1.19B$1.21B
DepositsQ2 2021vs Q2 2020$1.40B$1.31B
Equity CapitalQ2 2021vs Q2 2020$162.3MM$148.1MM
Loan Loss AllowanceQ2 2021vs Q2 2020$11.4MM$10.3MM
Unbacked Noncurrent LoansQ2 2021vs Q2 2020$6.2MM$15.0MM
Real Estate OwnedQ2 2021vs Q2 2020$6.5MM$9.4MM
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Commercial Bank (TN) Savings Account Rates

0.25%*-$15kKasasa Saver
OTHER TIERS: 0.15% $15k+
0.05%$5-Christmas Savings
0.05%--Simply Savings
0.05%$25-Business Simply Savings

Commercial Bank (TN) Money Market Rates

0.15%*$200k*$1mMake it Count MMDA
OTHER TIERS: 0.05% $2.5k - $25k | 0.10% $25k - $200k
0.15%*$200k*$1mBusiness Make it Count MMDA
OTHER TIERS: 0.05% $2.5k - $25k | 0.10% $25k - $200k

Commercial Bank (TN) Checking Account Rates

0.35%*-$15kKasasa Cash Checking
OTHER TIERS: 0.15% $15k+
0.05%$1k-Interest-Bearing Checking
0.05%$1k-Business Interest-Bearing Checking

Commercial Bank (TN) CD Rates

0.50%$500-72 Month CD
0.45%$500-60 Month CD
0.30%$500-30 Month CD
0.30%$500-36 Month CD
0.25%$500-24 Month CD
0.20%$500-13 Month CD Special
0.15%$500-12 Month CD
0.15%$500-15 Month CD
0.05%$2.5k-6 Month CD
0.05%$2.5k-9 Month CD
0.03%$2.5k-31 - 90 Day CD
0.03%$2.5k-91 - 181 Day CD

Commercial Bank (TN) IRA Rates

0.45%--60 Month Fixed IRA
0.45%--60 Month Variable IRA
0.20%--13 Month Fixed IRA
0.15%--18 Month Fixed IRA
0.15%--18 Month Variable IRA


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