Here are the 10-Q quarterly reports from Commercial Bancgroup, Inc. (CBK) in our archive since June 2025, newest first, and each one links through to the document itself with the summary and the scores our analysis gives it.
A 10-Q covers the quarterly report filed between annual reports, so if you follow CBK and want that one kind of document rather than the whole filing history, this is the page to keep. The company's other filings, of every form, are on the full CBK filings page.
Commercial Bancgroup, Inc. reported higher profitability and modest balance sheet growth for the quarter and six months ended June 30, 2026. Total assets were $2.38 billion, up from $2.29 billion at December 31, 2025, driven mainly by loan growth and higher interest-bearing deposits in banks.
Net loans increased to $1.92 billion from $1.86 billion, while total deposits rose to $1.87 billion from $1.82 billion. Short-term borrowings expanded to $102.6 million and long-term debt declined to $73.2 million, reflecting redemption of trust preferred securities, which produced a $603,303 loss on early retirement in the first quarter.
For the three months ended June 30, 2026, net interest income was $21.5 million versus $20.1 million a year earlier, with a new $399,289 provision for credit losses. Quarterly net income rose to $10.2 million from $8.9 million, and basic EPS was $0.75 versus $0.73. For the six-month period, net income increased to $19.8 million, while year-to-date basic EPS remained $1.44. The allowance for credit losses on loans grew slightly to $18.7 million, and nonaccrual loans were $6.66 million. Shareholders’ equity increased to $302.6 million, after paying $0.20 per share in dividends year-to-date.
Commercial Bancgroup, Inc. reports solid quarterly results for the three months ended March 31, 2026. Net income was $9.53 million, up from $8.69 million a year earlier, while basic and diluted earnings per share were $0.70 versus $0.72, reflecting a higher share count.
Total assets reached $2.33 billion, compared with $2.29 billion at year-end 2025, driven largely by loan growth to $1.90 billion and an increase in cash and cash equivalents to $168.4 million. Total deposits rose to $1.89 billion, and short-term borrowings were reduced to $45.1 million from $88.3 million.
Net interest income improved to $20.48 million from $19.34 million, with a modest $0.12 million provision for credit losses. Asset quality indicators remained manageable, with nonaccrual loans of $5.86 million and an allowance for credit losses of $18.33 million. Regulatory capital ratios stayed strong, including a total risk-based capital ratio of 14.0% and a Tier 1 leverage ratio of 11.1%, keeping the bank well capitalized.