Commercial Bancgroup is a Tennessee-based bank holding company that operates through its subsidiary, Commercial Bank, a community bank serving individuals and small-to-medium businesses across Tennessee, Kentucky, and North Carolina. Commercial Bank targets businesses with up to $300M in annual revenue, along with their owners and employees, pursuing full banking relationships — commercial deposits, loans, and treasury management — rather than one-off transactions. Consumer banking centers on mortgages and home equity products. The bank operates 34 branches across its three-state footprint, with its core Tennessee markets spanning the Nashville, Knoxville, and Tri-Cities MSAs, plus rural northeast Tennessee counties. Kentucky operations focus on smaller, rural communities in the southeast part of the state. North Carolina is the newest market, entered via the 2024 acquisition of Alliance Bank & Trust, giving the bank a presence in the Charlotte MSA. Commercial Bank earns money the traditional community banking way: collecting low-cost deposits and lending those funds out at higher rates. Core deposits fund 91.6% of total deposits, keeping funding costs low. Net loans of roughly $1.9B represent the dominant earning asset on $2.3B in total assets. The bank grows through a combination of organic relationship banking, acquisitions of culturally aligned community banks, and selective de novo branching. Commercial Bancgroup completed its IPO in October 2025, raising roughly $29.9M in net proceeds, giving the bank access to public equity markets to fund future growth.