COMMERCIAL BANKING COMPANY

VALDOSTA, GA · Supervised by FDIC

Est. 1934FDIC #16,246RSSD: FDIC-16246

Part ofLOWNDES BANCSHARES INC→ View all charters

Satisfactory Up

Current rating · Exam: February 1995

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 2.02%

Institution Profile

FDIC BankFind

Website

www.cbcbank.com

Address

3462 N Valdosta Rd, VALDOSTA, GA

County

Lowndes County

Established

January 1, 1934

Total Assets

$409M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

February 1, 1995

Exam Type

Not Reported

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 31 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.

Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$409M

Total Deposits

$363M

Net Loans

$297M

Net Income

$2M

ROA

2.02%

ROE

21.45%

Risk-Based Capital

15.51%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate5.59%Peer avg: 7.63%▲ Above avg

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Branch Footprint

FDIC SOD 2025

Total Branches

Branch Deposits

$316M

1-Year Change

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	161	88.2%	5.59%
2023	202	76.73%	9.41%
2022	230	65.22%	14.78%
2021	240	65.83%	9.17%
2020	277	66.43%	9.75%
2018	214	73.83%	7.01%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

↑ Improving

Based on last 2 exams

1 previous rating locked — dating back to 1993

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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