---
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"
generated_at: "2026-05-17T02:01:31.108916+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Commercial Bancgroup Q3 net income rises to $9.5M; completes IPO raising $30.6M

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001213900-25-102802
- JSON: https://secwatch.observer/filing/0001213900-25-102802.json
- Plain text: https://secwatch.observer/filing/0001213900-25-102802.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.