Commercial Bank

Community Bankingcbtn.com

Company typePublic
Founded1976
HeadquartersHarrogate, United States
Headcount251–500
GTM typeB2B and B2C
OfferingServices

Commercial Bank firmographics

Firmographics

Name: Commercial Bank
Legal name: Commercial Bank
Website: https://cbtn.com
Company type: Public
Founded year: 1976
Operating status: Operating
Headcount range: 251–500 employees
Ownership category
akta.pro rank

Commercial Bank industry classification

Industry

Product category: Community Banking
NAICS: Commercial Banking (52211)
SIC: Commercial Banks, Nec (6029), State Commercial Banks (6022)
akta.pro primary industry: General SME & Middle-Market Commercial Banking (FSABABAA)
akta.pro secondary industry: SME Business Lending (Term Loans, Lines of Credit, Overdrafts) (FSABABAB)

Keywords

Retail banking services
Community banking
Commercial lending
Treasury management
Personal banking

Where Commercial Bank is headquartered

Location

Headquarters

HQ city: Harrogate
HQ country: United States
HQ region: North America

Offices37 records

Markets served

Commercial Bank business model

Business model

GTM type: B2B and B2C
Offering type: Services
Cost components: Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales

Revenue model

Net Interest Income: Primary revenue stream from lending activities. Q1 2026 net interest income supported by $1.9B in total net loans (up 5.4% year-over-year) and a $2.3B asset base. Earning assets are funded by deposits, money market, and CDs.
Deposit Account Service Charges: Recurring monthly service fees, paper statement fees, and penalty/excess transaction fees on consumer and business deposit accounts (e.g., $4 Basic Checking fee, $5 paper statement fee, $9 BaZing fee, $10 Business Money Market fee, $10 excess MMDA withdrawal, $5 Simply Savings excess withdrawal, $5 Christmas Club early withdrawal).
Treasury Management and Cash Management Fees: Recurring and transaction-based fees from Premier Business Checking add-ons (ACH origination, Electronic Wire Transfer, mRDC/RDC) and standalone treasury services such as Remote Deposit Capture ($25/month), Positive Pay, LockBox, Safe Point, and Bank at Work.
Investment Services Referral Fees: Referral-based revenue from LPL Financial for brokerage, advisory, retirement, insurance, and wealth products offered through Commercial Financial Services. LPL pays Commercial Bank for referrals, creating a disclosed conflict of interest.
Merchant Card Services Revenue: Merchant services revenue through BancCard partnership for POS/payment acceptance (other fees apply beyond account).
Card and Loan Fee Income: Interchange and fees on personal and business VISA credit cards, plus loan payment convenience fees (debit card and ACH loan payment channels via ProfitStars SmartPay).
Insurance and Government Lending Fee Income: Fee/commission income from personal and business insurance (offered through Fountain City/Harrogate insurance offices) and SBA government-guaranteed lending.

Pricing tiers

Model	Billing	Price
Other	Monthly	Basic Checking — $4 monthly fee (waived with $1,000 daily balance); $100 min opening; unlimited check writing; Visa debit; digital banking.
Other	Monthly	Interest Checking — $10 monthly fee (waived with $5,000 daily balance); tiered interest on balances over $5,000; $100 min opening.
Other	Monthly	Cash Back Checking — 2.00% cash back on debit purchases (up to $300/mo, max $6/mo, $72/yr) and up to $6/mo ATM fee refunds; requires 12+ debit transactions per month; no minimum balance; $100 min opening.
Other	Monthly	BaZing Benefit Checking — $9 monthly fee; $100 min opening; digital banking; Visa debit; benefits include pet care, bill negotiation, cell phone protection (up to $600/claim, $1,200/yr), $2,500 identity theft reimbursement, roadside assistance (up to $80), pharmacy/vision/hearing discounts.
Other	Monthly	Money Market — tiered interest on balances over $5,000; 6 free withdrawals/month ($10 each additional); $10 monthly fee waived with $5,000 min daily balance; $100 min opening.
Other	Monthly	Simply Savings — competitive interest on entire balance; no monthly service charges; no minimum balance; 9 free withdrawals/quarter ($5 each additional); $25 min opening.
Other	Annual	Christmas Club — $5 min opening; $5 penalty for early withdrawal; funds transfer to another Commercial Bank account on October 15.
Other	Multi-year contract	Certificates of Deposit — fixed rates; terms from 31 days to 72 months; $500 min opening; substantial early withdrawal penalty.
Other	Annual	IRAs (Traditional and Roth) — 13, 18, and 60 month terms; $500 min opening; $6,500 annual contribution limit + $1,000 catch-up for age 50+; no setup or maintenance fees.
Other	Monthly	Basic Business Checking — $10 monthly service fee waived with $7,500 average daily balance; unlimited monthly transactions; free online banking, corporate Bill Pay, CD-ROM statements (on request), free Visa business debit card.
Other	Monthly	Premier Business Checking — $15 / $30 / $45 monthly service charge for 1 / 2 / 3 Premier Services selected (waived at $75K / $100K / $125K average balance). Includes ACH origination, Electronic Wire Transfer, and Mobile/Remote Deposit Capture.
Other	Monthly	Business Interest Checking — $10 monthly fee waived with $10,000 daily balance; tiered interest on balances over $10,000.
Other	Monthly	Business Money Market — tiered rates on balances over $10,000; $10 monthly fee waived with $10,000 min daily balance.
Subscription	Monthly	Remote Deposit Capture — $25 monthly service charge for desktop scanner-based high-volume check deposit.
Other	Monthly	Personal VISA Credit Cards — No annual fee (implied by no-annual-fee messaging). Competitive rates; transparent fees; contactless, chip, and mobile wallet support.
Other	Monthly	Business VISA Credit Cards — 360 Control feature allows card issuance, spending restrictions, and limits for employees. Competitive rates; transparent fees.
Other	Annual	Quarterly Cash Dividend — $0.10 per share declared April 27, 2026; payable June 30, 2026 to shareholders of record June 15, 2026.

Go-to-market motion4 records

Distribution channels7 records

Marketing channels7 records

Commercial Bank product offering

Product offering

Core offering

Commercial Bank is a community bank offering personal and business deposit accounts, consumer and commercial loans, treasury management, merchant card services, digital banking, and wealth management referral services. The bank operates 31+ branches across Tennessee, Kentucky, and North Carolina, and serves both individual consumers and businesses with distinct product lines including checking, savings, money market, CDs, IRAs, HSAs, mortgages, business lending, and treasury cash management.

Product overview

Commercial Bank (cbtn.com), a community bank headquartered in Harrogate, Tennessee and operating across Kentucky, Tennessee, and North Carolina, is built on a platform-plus-modules architecture spanning personal and business banking. The core personal banking platform bundles deposit accounts — Basic Checking, Interest Checking, Cash Back Checking, BaZing Benefit Checking, Personal Money Market, Simply Savings, Christmas Club, Personal CDs, and Personal IRAs — with Personal Credit Cards and a Personal Lending suite covering Home Mortgage Loans, Home Equity Lines of Credit (HELOC), Auto/Boat/RV/ATV Loans, and Personal Loans. The business banking platform mirrors this structure with Basic, Premier, and Interest Business Checking, Business Money Market, Business Savings, Business CDs, Business Credit Cards, and a Business Lending suite of Business Loans, SBA Loans, Commercial Real Estate Loans, and Business Lines of Credit. A Treasury Management add-on module extends the business offering with Merchant Card Services, ACH Origination, Remote Deposit Capture (RDC), Mobile Remote Deposit Capture (mRDC), Positive Pay, Lockbox Services, Safe Point, Bank at Work, and the Living Local community program. Digital Banking is delivered as a unified module through Online and Mobile Banking, including Bill Pay, Mobile Deposit, eStatements, the Geezeo-powered Money Insights personal financial management experience, Zelle peer-to-peer payments, Visa Purchase Alerts, and Mobile Device Payments via Apple Pay, Google Pay, and Samsung Pay. Convenience and protection modules — Dial-A-Bank telephone banking and Overdraft Protection (Chek Plus, Account Sweep, Courtesy Advance) — round out the access layer, while Personal Investments and Business Investments are offered in partnership with LPL Financial to deliver brokerage, advisory, and retirement investment services on top of the banking core.

Differentiator

Problem solved

Functional benefit

Products and services

Personal Checking Accounts

Quantifiable outcome

Q1 2026 net income $9.5M, up 9.2% YoY from $8.7M; core net income $10.0M ($0.73 per share)
+5 more outcomes

Companies that use Commercial Bank

Customer profile

Segments5 records

Ideal customer profiles4 records

Commercial Bank technology and API

Technology

Technology focussed No

API detail

Has API: No
API docs
API detail

Core technology

AI maturity

App detail

Integration13 records

Feature11 records

Commercial Bank partnerships and signals

Strategic signal

Partnerships

Ten partnerships are on record, tiered core.

LPL FinancialcoreStrategic or Co-development PartnerStrategic referral partnership through which Commercial Bank's Commercial Financial Services offers LPL Financial products and services (retirement plans, life insurance, annuities, mutual funds, stocks and bonds, advisory, wealth transfer, education planning, ETFs). LPL pays Commercial Bank for referrals, creating a disclosed conflict of interest. Patrick (Pat) Anstett serves as the LPL Financial registered representative / advisor reachable at 423-626-7276.
BaZingcoreTechnology or IntegrationBaZing provides the benefit platform for Commercial Bank's BaZing Benefit Checking account (pet care, bill negotiation, cell phone protection, identity theft aid, travel insurance, roadside assistance, shopping/dining/travel discounts, pharmacy/vision/hearing discounts) and powers the Living Local merchant network where BaZing checking customers discover local deals.
VisacoreTechnology or IntegrationVisa network powers Commercial Bank's personal and business VISA credit cards and the near real-time Purchase Alerts service (customizable amount threshold, online transaction, international transaction alerts via SMS/email).
ZellecoreTechnology or IntegrationZelle is integrated into Commercial Bank's online and mobile banking to enable P2P transfers for consumers and businesses; enrollment via secure.cbtn.com.
BancCardcoreTechnology or IntegrationBancCard is the merchant services partner that provides POS and payment-acceptance solutions to Commercial Bank's business banking customers, increasing sales channels and customer payment options.
ProfitStars (Jack Henry)coreTechnology or IntegrationProfitStars powers Commercial Bank's Remote Deposit Capture (desktop) and mRDC (mobile) check deposit, as well as SmartPay loan payment and ACH/electronic check loan payment processing.
GeezeocoreTechnology or IntegrationGeezeo provides the Money Insights budgeting, spending wheel, cash flow control, and net worth snapshot tools embedded within Commercial Bank's online and mobile banking.
VeriSign (Symantec / DigiCert)coreTechnology or IntegrationVeriSign-issued Digital ID and 128-bit SSL certificate underpins the encrypted Online Banking sessions, paired with RSA controlled user verification, password complexity, and lock-out mechanism.
Apple Pay and Google PaycoreTechnology or IntegrationCommercial Bank debit cards are tokenized into Apple Pay and Google Pay, with a unique device account number replacing the real card number for in-store and online purchases.
Federal Reserve Bank of AtlantacoreOthersPrimary federal regulator for Commercial Bank, which upgraded the Bank's CRA rating from 'Needs to Improve' to 'Satisfactory' in Q1 2026.

Scale indicators12 records

Recent moves7 records

Expansion highlights6 records

Commercial Bank competitors and assessment

Company assessment

Broad incumbents

First Horizon Corporation: Large Tennessee-headquartered bank holding company operating First Horizon Bank. Directly comparable as a TN-based deposit and commercial lending franchise, though materially larger in scale and a direct competitor for Tennessee deposit and business banking relationships.
Citizens Financial Group (small/community segment): Large regional bank with a community-banking segment competing for retail and SMB customers in similar Mid-Atlantic and Southeast markets. Useful as a benchmark for scaled incumbents operating in Commercial Bank's broader Southeast footprint.

Direct peers

Pinnacle Financial Partners: Nashville-based commercial bank focused on small and mid-sized businesses across Tennessee and the Southeast. Closest comparable in market position, business model (relationship-led commercial banking), and product breadth; both target Tennessee-based SMBs and high-net-worth retail customers.
SmartFinancial: Knoxville, TN-based community bank holding company with branches across Tennessee, Alabama, and East Texas. Highly comparable footprint, product set, and SMB-focused commercial banking model overlapping Commercial Bank's Knoxville and East Tennessee branches.
Bank of Tennessee (Tennessee Bank & Trust / Tennessee Financial Group): Tennessee-based community bank serving similar retail and small-business customers across East and Middle Tennessee. Direct overlap in geographic footprint, deposit product mix, and relationship-led commercial lending.
HomeTrust Bancshares: Asheville, NC-based community bank holding company with branches across the Southeast including North Carolina, Tennessee, and Virginia. Comparable size, footprint overlap (especially in North Carolina), and product set spanning personal/business banking and mortgage.
Investar Holding Corporation: Louisiana-based community bank holding company with comparable size and full-service personal/business/community banking model. Similar community-banking philosophy and product breadth though serving a different core geography.
Crescent Financial / CapStar Financial: Nashville-based commercial bank with a similar full-service community-bank model and comparable size. Competes for similar Tennessee SMB and consumer relationships, providing a tight size-and-strategy comparable.

Regional players

National Bankshares: Small community bank holding company based in Blacksburg, Virginia serving Southwest Virginia and similar Appalachian markets. Comparable size, community-bank model, and geographic proximity to Commercial Bank's Kentucky and Tennessee footprint.

Others

LPL Financial: Broker-dealer and registered investment advisor that powers Commercial Bank's Commercial Financial Services wealth, brokerage, and retirement referral program. Listed as a peer to make explicit the partnership economics and revenue exposure to LPL's product mix and growth.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

Commercial Bank compliance and trust

Trust signal

Compliance4 records

Commercial Bank financial estimates

Financial estimate

Revenue estimate

Valuation estimate

Commercial Bank leadership team

Management profile

Number of profiles

Profiles1 record

Commercial Bank subsidiaries and ownership

Company hierarchy

Subsidiaries1 record

Commercial Bank funding detail

Funding detail

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

Commercial Bank M&A and investment

M&A and investment

M&A1 record

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Commercial Bank

What does Commercial Bank do?

Is Commercial Bank a public or private company?

Commercial Bank is a public company. It is classified as public and is currently operating.

When was Commercial Bank founded?

Commercial Bank was founded in 1976. It employs 251 to 500 people.

Where is Commercial Bank based?

Commercial Bank is headquartered in Harrogate, United States, in the North America region.

How does Commercial Bank make money?

Seven revenue lines are on record. Net Interest Income is the primary driver. The others are deposit Account Service Charges, treasury Management and Cash Management Fees, investment Services Referral Fees, merchant Card Services Revenue, card and Loan Fee Income and insurance and Government Lending Fee Income.

Who are Commercial Bank's main competitors?

Broad incumbents on record are First Horizon Corporation and Citizens Financial Group (small/community segment). Direct peers are Pinnacle Financial Partners, SmartFinancial, Bank of Tennessee (Tennessee Bank & Trust / Tennessee Financial Group), HomeTrust Bancshares, Investar Holding Corporation and Crescent Financial / CapStar Financial. National Bankshares is listed as a regional player. LPL Financial is listed as an others.

Does Commercial Bank have an API?

No public API is recorded for Commercial Bank.

What industry is Commercial Bank in?

Commercial Bank's product category is Community Banking. Its primary akta.pro industry code is FSABABAA, General SME & Middle-Market Commercial Banking, with a secondary code of FSABABAB, SME Business Lending (Term Loans, Lines of Credit, Overdrafts). Its NAICS code is 52211 and its SIC code is 6029.