Commercial Bancgroup posts FY 2025 results update

Commercial Bancgroup, Inc. furnished an update on its performance by announcing financial results for the fourth quarter and fiscal year ended December 31, 2025.

Rhea-AI Filing Summary

Commercial Bancgroup, Inc. furnished an update on its performance by announcing financial results for the fourth quarter and fiscal year ended December 31, 2025. The company released these results through a press release and an investor presentation, both dated January 26, 2026.

The press release is included as Exhibit 99.1 and the investor presentation as Exhibit 99.2, and both are incorporated by reference into this current report. The materials are also available in the Investors section of the company’s website, though the website information itself is not deemed part of this report. The earnings information and related exhibits are being furnished under Item 2.02 and are not treated as filed for liability purposes under the Exchange Act.

8-K Event Classification

2 items: 2.02, 9.01

2 items

Item 2.02 Results of Operations and Financial Condition Financial

Disclosure of earnings results, typically an earnings press release or preliminary financials.

Item 9.01 Financial Statements and Exhibits Exhibits

Financial statements, pro forma financial information, or exhibit attachments filed with this report.

FAQ

AI-generated questions and answers. How Rhea-AI works. Not financial advice.

What did Commercial Bancgroup, Inc. (CBK) disclose in this 8-K?

Commercial Bancgroup, Inc. furnished information that it issued a press release and an investor presentation announcing its financial results for the fourth quarter and fiscal year ended December 31, 2025.

Which periods do the CBK financial results in this update cover?

The financial results discussed in the accompanying materials cover the fourth quarter and fiscal year ended December 31, 2025.

Where can investors find the Commercial Bancgroup (CBK) earnings materials?

Investors can access the press release (Exhibit 99.1) and investor presentation (Exhibit 99.2) attached to the report, and a version of the presentation is available under the “Investors” section of the company’s website at https://www.cbtn.com/.

Are the CBK earnings materials considered filed or furnished with the SEC?

The information in Item 2.02 and the related Exhibits 99.1 and 99.2 are being furnished, not filed, and therefore are not subject to Section 18 liability under the Exchange Act nor incorporated by reference into Securities Act or Exchange Act filings.

What exhibits are attached to this Commercial Bancgroup, Inc. 8-K?

The report includes a press release dated January 26, 2026 as Exhibit 99.1, an investor presentation dated January 26, 2026 as Exhibit 99.2, and a Cover Page Interactive Data File as Exhibit 104.

Who signed this Commercial Bancgroup, Inc. current report?

The report was signed on behalf of Commercial Bancgroup, Inc. by Terry L. Lee, President and Chief Executive Officer.

AI-generated analysis. How Rhea-AI works. Not financial advice.

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Accepted by SEC EDGAR 01/26/2026 - 04:40 PM Learn about SEC filing dates

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UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of
the Securities Exchange Act of 1934

Date of Report (Date of earliest event reported): January 26, 2026

Commercial Bancgroup, Inc.

(Exact name of registrant as specified in its charter)

Tennessee		001-42889		62-1039469
(State or other jurisdiction of incorporation)		(Commission File Number)		(IRS Employer Identification No.)

6710 Cumberland Gap Parkway

Harrogate, Tennessee 37752

(Address of principal executive offices) (Zip code)

(423) 869-5151

(Registrant’s telephone number, including area code)

(Former name or former address, if changed since last report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17-CFR 240.14d-2(b))

☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17-CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of each class		Trading Symbol		Name of each exchange on which registered
Common Stock, $0.01 par value per share		CBK		The Nasdaq Stock Market LLC

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging growth company ☒

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Item 2.02 Results of Operations and Financial Condition.

On January 26, 2026, Commercial Bancgroup, Inc., a Tennessee corporation (the “Company”), issued a press release announcing its financial results for the fourth quarter and fiscal year ended December 31, 2025 (the “Earnings Release”). A copy of the Earnings Release is included as Exhibit 99.1 to this Current Report on Form 8-K (this “Report”) and is incorporated herein by reference.

In conjunction with the Earnings Release, the Company also made available an investor presentation of results for the fourth quarter and fiscal year ended December 31, 2025 (the “Presentation”). The Presentation, which is available under the “Investors” section of the Company’s website, located at https://www.cbtn.com/, is included as Exhibit 99.2 to this Report and is incorporated herein by reference. Information on the Company’s website is not, and will not be deemed to be, a part of this Report or incorporated into any other filings the Company may make with the U.S. Securities and Exchange Commission.

The information contained in Item 2.02, including the accompanying exhibits, shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”), or otherwise subject to the liabilities under that section, nor shall it be deemed incorporated by reference into any filing of the Company under the Securities Act of 1933, as amended, or the Exchange Act.

Item 9.01 Financial Statements and Exhibits.

(d) Exhibits

Exhibit		Description
99.1		Press release of Commercial Bancgroup, Inc., dated January 26, 2026.
99.2		Investor Presentation of Commercial Bancgroup, Inc., dated January 26, 2026.
104		Cover Page Interactive Data File (embedded within the Inline XBRL document).

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SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

	COMMERCIAL BANCGROUP, INC.
Date: January 26, 2026	By:	/s/ Terry L. Lee
		Terry L. Lee
		President and Chief Executive Officer

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