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    CBK

    Commercial Bancgroup, Inc.

    Company overview

    Market capitalization
    $438.30M
    Employees
    287
    Latest publication
    2026-09-29
    About Commercial Bancgroup, Inc.

    Commercial Bancgroup, Inc. operates as the bank holding company for Commercial Bank that provides a range of banking and financial services to individual and corporate customers in the United States. The company accepts various deposit products, including demand deposit accounts, interest-bearing products, savings accounts, and certificates of deposit products. It also offers real estate, commercial, and consumer loans, such as installment loans, secured and unsecured personal lines of credit, and overdraft protection lines. In addition, the company provides treasury management services, remote deposit capture, internet and commercial banking, automated teller machines, and other banking services. The company was formerly known as Harrogate Corporation and changed its name to Commercial Bancgroup, Inc. in April 1989. Commercial Bancgroup, Inc. was incorporated in 1975 and is based in Harrogate, Tennessee.

    Company website

    Financial statements

    Income Quarterly

    Exact reported values; units shown beside each amount. Missing values are —.
    MetricQ2 20262026-06-30 · USDQ1 20262026-03-31 · USDQ4 20252025-12-31 · USDQ3 20252025-09-30 · USDQ2 20252025-06-30 · USDQ1 20252025-03-31 · USDQ4 20242024-12-31 · USDQ3 20242024-09-30 · USD
    Total Revenue32,804,518USD32,054,503USD12,855,000USD32,646,881USD33,050,664USD33,236,162USD33,985,258USD33,040,574USD
    Interest Income30,154,202USD29,463,199USD—30,020,936USD30,859,078USD30,765,510USD31,149,360USD30,462,611USD
    Interest Expense8,638,978USD8,985,501USD—9,799,337USD10,800,073USD11,425,736USD11,565,952USD11,565,400USD
    Net Interest Income21,515,224USD20,477,698USD—20,221,599USD20,059,005USD19,339,774USD19,583,408USD18,897,211USD
    Non Interest Income2,650,316USD2,591,304USD—2,625,945USD————
    Revenue Net Of Interest Expense24,165,540USD23,069,002USD—22,847,544USD————
    Non Interest Expense10,872,518USD11,086,585USD—10,552,441USD————
    Income Before Tax12,893,733USD11,860,447USD12,705USD12,295,103USD11,557,610USD11,201,658USD8,846,014USD11,017,524USD
    Income Tax Expense2,678,067USD2,326,009USD2,792USD2,828,954USD2,658,018USD2,510,052USD3,235,556USD1,810,311USD
    Net Income10,215,666USD9,534,438USD9,913USD9,466,149USD8,899,592USD8,691,606USD5,610,458USD9,207,213USD
    Net Income Applicable To Common Shares10,215,666USD9,534,438USD—9,466,149USD————
    Cost Of Revenue————10,800,073USD11,425,736USD11,570,952USD11,888,400USD
    Gross Profit————22,250,591USD21,810,426USD22,414,306USD21,152,174USD
    Selling General Administrative————5,902,859USD5,851,125USD8,274,279USD5,955,059USD
    Unclassified Operating Expenses————4,790,122USD4,757,643USD5,294,013USD4,179,591USD
    Total Operating Expenses————10,692,981USD10,608,768USD13,568,292USD10,134,650USD
    Operating Income————11,557,610USD11,201,658USD8,846,014USD11,017,524USD
    Tax Provision————2,658,018USD2,510,052USD3,235,556USD1,810,311USD
    Net Income From Continuing Ops————8,899,592USD8,691,606USD5,610,458USD9,207,213USD
    Ebit————11,557,610USD11,201,658USD8,846,014USD11,017,524USD
    Ebitda————11,547,223USD11,983,157USD10,202,503USD10,869,191USD
    Depreciation And Amortization————-10,387USD781,499USD1,356,489USD-148,333USD
    Reconciled Depreciation————-10,387USD781,499USD1,356,489USD-148,333USD
    Minority Interest————0USD0USD0USD0USD
    SourceDisclosureDeterministicFinalDisclosureDeterministicFinalDisclosurePreliminaryDisclosureDeterministicFinalLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacy

    Income Yearly

    Exact reported values; units shown beside each amount. Missing values are —.
    MetricFY 20252025-12-31 · USDFY 20242024-12-31 · USDFY 20232023-12-31 · USD
    Total Revenue131,534,247USD133,331,396USD112,202,857USD
    Interest Income121,604,088USD123,212,969USD102,637,111USD
    Interest Expense41,173,544USD45,629,378USD30,536,476USD
    Net Interest Income80,430,544USD77,583,590USD72,100,635USD
    Non Interest Income9,930,159USD——
    Revenue Net Of Interest Expense90,360,703USD——
    Non Interest Expense42,480,000USD——
    Income Before Tax47,417,377USD40,571,978USD39,692,350USD
    Income Tax Expense10,221,179USD8,886,195USD8,480,225USD
    Net Income37,196,198USD31,409,926USD30,692,971USD
    Net Income Applicable To Common Shares37,196,198USD——
    Cost Of Revenue—47,458,022USD33,810,150USD
    Gross Profit—85,873,374USD78,392,707USD
    Selling General Administrative—26,001,234USD21,781,459USD
    Unclassified Operating Expenses—19,300,162USD16,918,898USD
    Total Operating Expenses—45,301,396USD38,700,357USD
    Operating Income—40,571,978USD39,692,350USD
    Tax Provision—8,886,195USD8,480,225USD
    Net Income From Continuing Ops—31,685,783USD31,212,125USD
    Ebit—40,571,978USD39,692,350USD
    Ebitda—45,165,752USD43,231,900USD
    Depreciation And Amortization—4,593,774USD3,539,550USD
    Reconciled Depreciation—4,593,774USD3,539,550USD
    Minority Interest—-275,857USD-519,153USD
    SourceDisclosureDeterministicFinalLegacy providerLegacyLegacy providerLegacy

    Balance sheet Quarterly

    Exact reported values; units shown beside each amount. Missing values are —.
    MetricQ2 20262026-06-30 · USDQ1 20262026-03-31 · USDQ4 20252025-12-31 · USDQ3 20252025-09-30 · USDQ2 20252025-06-30 · USDQ1 20252025-03-31 · USDQ4 20242024-12-31 · USDQ3 20242024-09-30 · USD
    Total Assets2,376,584,291USD2,328,788,877USD2,291,454,981USD2,214,408,255USD2,262,511,186USD2,266,878,496USD2,301,211,138USD—
    Cash And Equivalents170,114,306USD168,394,594USD144,318,929USD154,786,944USD————
    Other Non Current Assets21,495,914USD20,171,847USD21,571,666USD21,779,863USD————
    Total Liabilities2,073,965,758USD2,035,271,134USD2,006,111,149USD1,969,254,929USD————
    Total Stockholder Equity302,618,533USD293,517,743USD285,343,832USD245,153,326USD235,267,722USD226,179,961USD220,255,783USD—
    Total Equity Including Noncontrolling Interest302,618,533USD293,517,743USD285,343,832USD245,153,326USD————
    Long Term Debt73,247,223USD73,180,526USD78,587,361USD100,097,343USD102,208,828USD103,189,992USD100,265,358USD—
    Property Plant Equipment Net50,144,628USD49,444,739USD49,765,202USD50,268,024USD50,337,132USD50,037,855USD50,288,378USD—
    Goodwill8,510,852USD8,510,852USD8,510,852USD8,510,852USD————
    Common Stock137,013USD136,980USD136,980USD122,396USD122,396USD476,100USD121,131USD—
    Retained Earnings264,515,272USD255,669,735USD247,505,096USD237,366,245USD227,900,096USD219,000,504USD212,310,977USD—
    Accumulated Other Comprehensive Income-717,521USD-825,044USD-674,902USD-741,431USD-1,160,886USD-1,348,984USD-1,564,506USD—
    Intangible Assets————5,034,771USD5,427,000USD5,429,537USD—
    Total Liab————2,027,243,464USD2,040,698,535USD2,080,955,355USD—
    Other Current Liab————1,851,247,903USD1,902,206,811USD1,938,596,955USD—
    Capital Stock————122,396USD476,100USD121,131USD—
    Good Will————8,510,852USD8,510,852USD8,514,092USD—
    Cash————108,500,774USD113,189,690USD134,455,154USD—
    Cash And Short Term Investments————199,362,310USD209,432,570USD182,392,770USD—
    Total Current Assets————206,446,299USD216,580,719USD189,580,074USD—
    Total Current Liabilities————1,902,093,503USD1,913,263,555USD1,946,213,216USD—
    Net Debt————40,008,214USD-4,099,593USD-30,798,230USD—
    Short Term Debt————46,300,160USD5,900,105USD3,391,566USD—
    Short Long Term Debt————12,848,338USD13,042,999USD——
    Short Long Term Debt Total————148,508,988USD109,090,097USD103,656,924USD—
    Long Term Investments————187,565,166USD188,849,263USD176,154,570USD—
    Short Term Investments————90,861,536USD96,242,880USD47,937,616USD—
    Net Receivables————7,083,989USD7,148,149USD7,187,304USD—
    Accounts Payable————4,545,440USD5,156,639USD4,224,695USD—
    Property Plant Equipment Gross————79,111,554USD78,459,899USD78,527,173USD—
    Common Stock Shares Outstanding————13,174,223shares13,174,223shares12,770,168shares13,174,223shares
    Non Current Assets Total————2,056,064,887USD2,050,297,777USD2,111,631,064USD—
    Non Current Liabilities Total————125,149,961USD127,434,980USD134,742,139USD—
    Non Currrent Assets Other————120,921,666USD115,617,273USD129,311,639USD—
    Unclassified Non Current Assets————1,683,695,300USD1,681,855,534USD1,741,932,848USD—
    Unclassified Non Current Liabilities————22,941,133USD24,244,988USD34,476,781USD—
    Unclassified Equity————8,283,720USD7,576,241USD9,267,050USD—
    SourceDisclosureDeterministicFinalDisclosureDeterministicFinalDisclosureDeterministicFinalDisclosureDeterministicFinalLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacy

    Balance sheet Yearly

    Exact reported values; units shown beside each amount. Missing values are —.
    MetricFY 20252025-12-31 · USDFY 20242024-12-31 · USDFY 20232023-12-31 · USD
    Total Assets2,291,454,981USD2,301,211,138USD2,196,609,429USD
    Cash And Equivalents144,318,929USD——
    Other Non Current Assets21,571,666USD——
    Total Liabilities2,006,111,149USD——
    Total Stockholder Equity285,343,832USD220,255,783USD190,375,030USD
    Total Equity Including Noncontrolling Interest285,343,832USD——
    Long Term Debt78,587,361USD105,772,642USD143,216,982USD
    Property Plant Equipment Net49,765,202USD50,288,378USD52,263,867USD
    Goodwill8,510,852USD——
    Common Stock136,980USD121,131USD122,118USD
    Retained Earnings247,505,096USD212,310,977USD182,903,720USD
    Accumulated Other Comprehensive Income-674,902USD-1,564,506USD-1,724,275USD
    Intangible Assets—5,429,537USD7,632,399USD
    Total Liab—2,080,955,355USD2,000,832,106USD
    Other Current Liab—1,938,596,955USD1,819,922,632USD
    Capital Stock—121,131USD122,118USD
    Good Will—8,514,092USD8,510,851USD
    Cash—134,455,154USD145,080,341USD
    Cash And Short Term Investments—234,280,010USD197,121,739USD
    Total Current Assets—241,467,314USD205,362,255USD
    Total Current Liabilities—1,946,213,216USD1,829,612,616USD
    Net Debt—-25,290,946USD4,183,172USD
    Short Term Debt—3,391,566USD6,046,531USD
    Short Long Term Debt—13,233,122USD13,776,713USD
    Short Long Term Debt Total—109,164,208USD149,263,513USD
    Long Term Investments—176,154,569USD210,672,994USD
    Short Term Investments—99,824,856USD52,041,398USD
    Net Receivables—7,187,304USD8,240,516USD
    Accounts Payable—4,224,695USD3,643,453USD
    Property Plant Equipment Gross—78,527,173USD83,619,991USD
    Common Stock Shares Outstanding—12,366,113shares12,228,275shares
    Non Current Assets Total—2,059,743,824USD1,991,247,174USD
    Non Current Liabilities Total—134,742,139USD171,219,490USD
    Non Currrent Assets Other—129,311,640USD94,207,803USD
    Unclassified Non Current Assets—1,690,045,608USD1,617,959,260USD
    Unclassified Non Current Liabilities—28,969,497USD28,002,508USD
    Unclassified Equity—9,267,050USD8,951,349USD
    SourceDisclosureDeterministicFinalLegacy providerLegacyLegacy providerLegacy

    Cash flow YTD

    Exact reported values; units shown beside each amount. Missing values are —.
    MetricQ2 20262026-06-30 · USDQ3 20252025-09-30 · USD
    Depreciation1,874,713USD2,705,755USD
    Stock Based Compensation307,144USD—
    Change To Liabilities1,824,703USD-6,799,212USD
    Change In Working Capital75,752USD8,417,887USD
    Operating Cash Flow23,407,017USD27,993,255USD
    Capital Expenditures-1,499,287USD-1,538,105USD
    Net Investments4,668,413USD19,656,777USD
    Unclassified Investing Cash Flow-64,457,507USD37,827,691USD
    Investing Cash Flow-61,288,381USD55,946,363USD
    Net Debt Issuance8,978,460USD53,595,662USD
    Common Dividends Paid-2,739,928USD-2,002,079USD
    Unclassified Financing Cash Flow57,438,209USD-157,963,373USD
    Financing Cash Flow63,676,741USD-107,350,590USD
    Change In Cash25,795,377USD-23,410,972USD
    End Cash Flow170,114,306USD154,786,944USD
    Net Common Stock Issuance—-980,800USD
    SourceDisclosureDeterministicFinalDisclosureDeterministicFinal

    Cash flow Quarterly

    Exact reported values; units shown beside each amount. Missing values are —.
    MetricQ1 20262026-03-31 · USDQ4 20252025-12-31 · USDQ3 20252025-09-30 · USDQ2 20252025-06-30 · USDQ1 20252025-03-31 · USDQ4 20242024-12-31 · USDQ3 20242024-09-30 · USDQ2 20242024-06-30 · USD
    Depreciation933,159USD2,233,464USD701,708USD-10,387USD781,499USD1,356,489USD-148,333USD2,379,732USD
    Stock Based Compensation159,414USD———0USD———
    Other Non Cash Items-603,303USD-1,345,209USD-130,220USD-27,940USD24,431USD657,438USD-90,916USD1,257,678USD
    Change To Liabilities1,584,824USD———————
    Change In Working Capital1,399,818USD-1,925,854USD-1,652,293USD-1,314,555USD2,563,665USD2,589,713USD1,556,757USD-5,327,622USD
    Operating Cash Flow13,352,203USD———————
    Capital Expenditures-237,355USD-327,022USD-489,100USD-716,246USD-332,759USD-482,146USD-158,113USD-680,866USD
    Net Investments875,596USD———————
    Unclassified Investing Cash Flow-15,834,417USD—-24,541,182USD-2,467,911USD-11,916,576USD57,088,230USD—35,297,196USD
    Investing Cash Flow-15,196,176USD———————
    Net Debt Issuance-49,193,586USD———————
    Common Dividends Paid-1,369,799USD———————
    Unclassified Financing Cash Flow76,483,023USD29,860,751USD—————18,055,518USD
    Financing Cash Flow25,919,638USD———————
    Change In Cash24,075,665USD-10,468,015USD3,504,590USD789,921USD-27,705,483USD-2,123,766USD32,346,185USD2,582,839USD
    End Cash Flow168,394,594USD———————
    Net Income—10,138,851USD9,466,149USD8,899,592USD8,691,606USD5,610,458USD9,207,213USD8,044,153USD
    Change To Account Receivables—-354,108USD-12,948USD64,160USD39,155USD787,292USD-261,476USD474,485USD
    Total Cash From Operating Activities—9,101,252USD8,385,344USD7,546,710USD12,061,201USD10,214,098USD10,524,721USD6,353,941USD
    Free Cash Flow—8,774,230USD7,896,244USD6,830,464USD11,728,442USD9,731,952USD10,366,608USD5,673,075USD
    Investments—20,803,432USD51,482,685USD4,783,157USD-319,479USD-52,556,323USD4,097,279USD-13,163,183USD
    Total Cashflows From Investing Activities—-88,609,322USD51,482,685USD4,783,157USD-319,479USD-52,556,323USD-435,118USD-13,163,183USD
    Net Borrowings—4,078,781USD14,250,882USD39,418,891USD-74,111USD-3,544,883USD-49,300,994USD—
    Total Cash From Financing Activities—69,040,055USD-56,363,439USD-11,539,946USD-39,447,205USD40,218,459USD22,256,582USD9,392,081USD
    Dividends Paid—0USD0USD0USD-2,002,079USD0USD0USD0USD
    Sale Purchase Of Stock—0USD0USD71USD-980,871USD-1,784,562USD3USD0USD
    Begin Period Cash Flow—154,786,944USD151,282,354USD150,492,433USD178,197,916USD180,321,682USD147,975,497USD145,392,658USD
    End Period Cash Flow—144,318,929USD154,786,944USD151,282,354USD150,492,433USD178,197,916USD180,321,682USD147,975,497USD
    Other Cashflows From Investing Activities—-109,902,210USD25,030,282USD3,184,157USD12,249,335USD-56,606,084USD-4,374,284USD-34,616,330USD
    Other Cashflows From Financing Activities—35,100,523USD-70,614,321USD-50,958,908USD-36,390,144USD45,547,904USD71,557,573USD-8,663,437USD
    SourceDisclosureDeterministicFinalLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacy

    Cash flow Yearly

    Exact reported values; units shown beside each amount. Missing values are —.
    MetricFY 20252025-12-31 · USDFY 20242024-12-31 · USDFY 20232023-12-31 · USD
    Depreciation3,706,284USD4,593,774USD3,539,550USD
    Stock Based Compensation124,375USD2,143,530USD458,624USD
    Deferred Income Tax-227,793USD——
    Other Non Cash Items609,000USD957,566USD3,340,387USD
    Change To Liabilities-8,133,383USD——
    Change In Working Capital8,622,844USD-704,718USD336,385USD
    Operating Cash Flow37,094,507USD——
    Capital Expenditures-1,865,126USD-3,041,086USD-3,165,972USD
    Net Investments6,157,664USD——
    Unclassified Investing Cash Flow-36,955,497USD118,972,347USD154,635,361USD
    Investing Cash Flow-32,662,959USD——
    Net Debt Issuance57,674,443USD——
    Net Common Stock Issuance-980,800USD——
    Common Dividends Paid-2,002,079USD——
    Unclassified Financing Cash Flow-93,002,099USD—3,889,126USD
    Financing Cash Flow-38,310,535USD——
    Change In Cash-33,878,987USD22,257,181USD94,029,704USD
    End Cash Flow144,318,929USD——
    Net Income—31,685,783USD31,212,124USD
    Change To Account Receivables—1,053,212USD-2,000,771USD
    Total Cash From Operating Activities—38,675,935USD38,887,070USD
    Free Cash Flow—35,634,849USD35,721,098USD
    Investments—-84,930,902USD-127,955,307USD
    Total Cashflows From Investing Activities—-84,930,902USD-127,955,307USD
    Net Borrowings—-40,689,866USD6,676,867USD
    Total Cash From Financing Activities—68,512,148USD183,097,941USD
    Dividends Paid—-2,002,669USD-1,495,287USD
    Sale Purchase Of Stock—-1,829,803USD-2,105,085USD
    Issuance Of Capital Stock—0USD3,889,126USD
    Begin Period Cash Flow—155,940,735USD61,911,031USD
    End Period Cash Flow—178,197,916USD155,940,735USD
    Other Cashflows From Investing Activities—-115,931,261USD-151,469,389USD
    Other Cashflows From Financing Activities—113,034,486USD176,132,320USD
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    Operating metrics

    No operating metrics are currently published for this company.

    Revenue breakdown

    No revenue breakdown is currently published for this company.

    Periods follow company fiscal calendars. Quarterly, annual and year-to-date amounts are shown separately. Missing values are not zero. Data may be delayed, incomplete or corrected; follow the disclosure links to verify figures.