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 616th largest bank in the nation. It was established in 1976 and as of September of 2020, it had grown to 286 employees at 35 locations. Commercial Bank (TN) has a B+ 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 - YTD1.22%
Return on Equity - YTD12.57%
Annual Interest Income$48.3MM
Assets and Liabilities
AssetsQ3 2020vs Q3 2019$1.56B$1.33B
LoansQ3 2020vs Q3 2019$1.20B$1.04B
DepositsQ3 2020vs Q3 2019$1.30B$1.07B
Equity CapitalQ3 2020vs Q3 2019$152.2MM$128.9MM
Loan Loss AllowanceQ3 2020vs Q3 2019$10.7MM$9.3MM
Unbacked Noncurrent LoansQ3 2020vs Q3 2019$14.6MM$10.5MM
Real Estate OwnedQ3 2020vs Q3 2019$9.2MM$10.4MM
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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

0.35%*-$15kKasasa Saver
OTHER TIERS: 0.25% $15k+
0.10%--Simply Savings
0.05%$5-Christmas Savings

Commercial Bank (TN) Money Market Rates

0.25%*$200k*$1mMake it Count MMDA
OTHER TIERS: 0.05% $2.5k - $25k | 0.15% $25k - $200k
0.25%*$200k*$1mBusiness Make it Count MMDA
OTHER TIERS: 0.05% $2.5k - $25k | 0.15% $25k - $200k

Commercial Bank (TN) Checking Account Rates

0.51%*-$15kKasasa Cash Checking
OTHER TIERS: 0.15% $15k+
0.10%*$100k*-Business Interest-Bearing Checking
OTHER TIERS: 0.05% $1k - $100k

Commercial Bank (TN) CD Rates

0.65%$500-72 Month CD
0.60%$500-60 Month CD
0.40%$500-36 Month CD
0.35%$500-24 Month CD
0.35%$500-30 Month CD
0.30%$500-13 Month CD Special
0.20%$500-12 Month CD
0.20%$500-15 Month CD
0.10%$2.5k-6 Month CD
0.10%$2.5k-9 Month CD
0.05%$2.5k-31 - 90 Day CD
0.05%$2.5k-91 - 181 Day CD

Commercial Bank (TN) IRA Rates

0.60%--60 Month Fixed IRA
0.60%--60 Month Variable IRA
0.30%--13 Month Fixed IRA
0.20%--18 Month Fixed IRA
0.20%--18 Month Variable IRA


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