secwatch.observer — SEC 8-K summary
======================================

Issuer:     Commercial Bancgroup, Inc. (CBK)
CIK:        0001981546
Form:       8-K
Filed at:   2026-01-26T23:59:59+00:00
Accession:  0001213900-26-007744
Event type: earnings
Sentiment:  positive
Materiality: 0.75
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

- 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.

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1981546/000121390026007744/0001213900-26-007744-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1981546/000121390026007744/ea0274038-8k_commercial.htm
  HTML page:      https://secwatch.observer/filing/0001213900-26-007744

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer