---
schema_version: "secwatch.filing_event.v1"
accession: "0001213900-26-007744"
form_type: "8-K"
ticker: "CBK"
cik: "0001981546"
company_name: "Commercial Bancgroup, Inc."
filed_at: "2026-01-26T23:59:59+00:00"
generated_at: "2026-05-16T08:07:35.215499+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Commercial Bancgroup Q4 2025 net income $9.9M ($0.72 EPS), up 77% YoY; full year net income $36.9M

## Summary
- Q4 net income $9.9M ($0.72 diluted EPS) vs $5.6M ($0.46) in Q4 2024, driven by loan growth and IPO.
- FY 2025 net income $36.9M ($2.92 diluted EPS) vs $31.4M ($2.54) in FY 2024; total operating revenue $90.4M.
- Gross loans increased $106.3M in Q4; net loans $1.9B, up 6.1% from Q3 2025.
- Net interest margin 4.01%; efficiency ratio 45.24% for Q4, 47.0% for FY.
- Tangible book value per share $19.96, up from $17.11 a year ago; redeemed $20.3M holding company debt.

## SEC filing metadata
- accession: 0001213900-26-007744
- form_type: 8-K
- ticker: CBK
- cik: 0001981546
- company_name: Commercial Bancgroup, Inc.
- filed_at: 2026-01-26T23:59:59+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/1981546/000121390026007744/0001213900-26-007744-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1981546/000121390026007744/ea0274038-8k_commercial.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001213900-26-007744
- JSON: https://secwatch.observer/filing/0001213900-26-007744.json
- Plain text: https://secwatch.observer/filing/0001213900-26-007744.txt

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