{"schema_version":"secwatch.filing_event.v1","accession":"0001213900-25-102802","form_type":"8-K","ticker":"CBK","cik":"0001981546","company_name":"Commercial Bancgroup, Inc.","filed_at":"2025-10-28T23:59:59+00:00","discovered_at":"2026-05-14T18:02:41.210711+00:00","generated_at":"2026-05-17T02:01:31.108916+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Commercial Bancgroup Q3 net income rises to $9.5M; completes IPO raising $30.6M","bullets":["Q3 net income $9.5M ($0.77 diluted EPS) up from $9.2M ($0.74); revenue $22.9M (+4.6% YoY).","Completed IPO of 7.17M shares at $24.00, net proceeds ~$30.6M; used to repay debt and redeem subordinated debentures.","Total assets $2.2B (-3.8% vs Dec 2024); net loans -2.2%; total deposits -8.1% mainly from brokered time deposits.","Tangible book value per share $19.05 (+14.5% YoY); efficiency ratio improved to 46.2% from 48.1%.","Bank well-capitalized: total risk-based capital ratio 15.2%; IPO financial impacts not included in Q3 statements."],"urls":{"canonical":"https://secwatch.observer/filing/0001213900-25-102802","json":"https://secwatch.observer/filing/0001213900-25-102802.json","markdown":"https://secwatch.observer/filing/0001213900-25-102802.md","text":"https://secwatch.observer/filing/0001213900-25-102802.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1981546/000121390025102802/0001213900-25-102802-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1981546/000121390025102802/ea0262717-8k_commercial.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-17T02:01:31.108916+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}