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Commercial Bancgroup
Commercial Bancgroup (CBK) investor relations material
Commercial Bancgroup Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary26 Jan, 2026
Executive summary
Achieved robust organic growth and top-tier financial performance, focusing on high-growth Southeastern metro and community markets.
Completed seven acquisitions since inception, most recently expanding into the Charlotte MSA.
Leadership team with over 100 years of collective banking experience, emphasizing stability and strategic execution.
Net income for Q4 2025 was $9.9 million ($0.72 per diluted share), up from $5.6 million ($0.46 per share) in Q4 2024.
Initial public offering (IPO) of 7.2 million shares at $24.00 per share completed in October 2025.
Financial highlights
Net income for 2025 reached $36.9M, up from $31.4M in 2024; core net income was $37.2M.
Earnings per share for 2025 were $2.93, with core EPS at $2.96.
Total assets grew to $2.3B, loans to $1.9B, and deposits to $1.8B as of year-end 2025.
Net interest margin for 2025 was 3.87%; Q4 2025 net interest margin was 4.01%.
Efficiency ratio improved to 45.24% in Q4 2025 and 47.0% for the full year.
Outlook and guidance
Strategy centers on responsible, profitable organic growth and targeted acquisitions in Tennessee, North Carolina, South Carolina, and North Georgia.
Focus on maintaining strong asset quality, efficiency, and capital adequacy while pursuing expansion.
Management highlights strong loan growth in Q4 2025 and improved efficiency.
The company remains well-capitalized and focused on core deposit growth.
What was the capital impact from the Q4 IPO?
What drove the brokered deposit reduction?
What fueled Q4 loan growth given prior payoffs?
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Next Commercial Bancgroup earnings date
Q1 202627 Apr, 2026
Commercial Bancgroup
Next Commercial Bancgroup earnings date
Q1 202627 Apr, 2026
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