COMMERCIAL BANK AND TRUST'S STARS SHINE THROUGH A TOUGH ECONOMY
Commercial Bank & Trust Company has received Bankrate.com's Safe and Sound rating of four out of five stars.


    /Tennessee News Articles/ - MEMPHIS, TN, August 24, 2008 - Commercial Bank & Trust Company has received Bankrate.com's Safe and Sound rating of four out of five stars, the highest rating compared to all banks listed by Bankrate.com in Memphis, TN. Commercial Bank and Trust also received a recommended rating from BAUERFINANCIAL, Inc. with four out of five stars. This marks the 69th consecutive time that Commercial Bank & Trust has earned this recommended status.

Bankrate.com provides independent ratings for businesses and consumers to use as a factor in banking decisions. Safe & Sound is their proprietary system that provides information on the relative financial strength and stability of U.S. commercial banks, savings institutions and credit unions. The Safe & Sound ratings system employs a series of 22 tests to measure the capital adequacy, asset quality, profitability, and liquidity of each rated financial institution.

Bauer Financial, Inc. is the nation's leading independent bank rating and research firm. Bauer's Four-Star rating, based on the financial condition of the bank, indicates that Commercial Bank & Trust is one
of the strongest banks in the country. BauerFinancial, Inc. has been reporting on and analyzing the
performance of U.S. banks and credit unions since 1983.

"In a climate where it is increasingly difficult to shine, Commercial Bank & Trust Company proves it
can be done," remarks Karen L. Dorway, president of BAUER FINANCIAL. "In fact, local residents should be
proud that their bank is one of the elite financial institutions in the nation. They can rest assured that their
deposits are well-placed in this four-star bank."

"These ratings support what we know about our bank," said Mott Ford, CEO of Commercial Bank & Trust.
"Our asset quality is excellent. These great ratings help build confidence at a time when some businesses
and consumers have uncertainties about the banking industry."

Established in 1877, Commercial Bank & Trust operates eleven locations in West Tennessee and a loan
office in DeSoto County Mississippi. More information about Commercial Bank & Trust can be found
at www.cbtcnet.com.

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Pam Branham
Younger Associates
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2157 Madison
Memphis, TN
USA 38104
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Fax: 901-272-5002
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