Commerce Bank
Corinth, MS · Cert 34938 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Commerce Holding Corp.
State charter, Fed member · FED · 1 branch
Q2 2026
$167.9MAssets
$117.3MLoans
$149.0MDeposits
$17.1MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 96% of banks under $1B in assets operating in a single state (rank 31 of 746).
- Widest gap: net charge-offs / loans trails 87% of banks under $1B in assets operating in a single state (rank 644 of 743).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
1.90%
Rank 59 of 746
Net Interest Margin
5.04%
Rank 31 of 746
Efficiency Ratio
55.58%
Rank 183 of 746
Equity / Assets
10.21%
Rank 398 of 746
Non-interest income vs. expense
Unfavorable gap of $4.0M · efficiency ratio beats 76% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.90% | 0.72% | 1.06% | 1.45% | Beats 92% | 59 / 746 | | |
| Return on Equity | 18.59% | 6.74% | 10.51% | 13.63% | Beats 94% | 45 / 746 | | |
| Net Interest Margin | 5.04% | 3.17% | 3.68% | 4.16% | Beats 96% | 31 / 746 | | |
| Efficiency Ratio | 55.58% | 55.74% | 64.58% | 75.47% | Beats 76% | 183 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.72% | 0.09% | 0.42% | 1.07% | Beats 15% | 634 / 743 | | |
| Net Charge-Offs / Loans | 0.11% | 0.00% | 0.01% | 0.05% | Beats 13% | 644 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 12.46% | 11.55% | 13.75% | 17.60% | Beats 36% | 476 / 746 | | |
| Total Risk-Based Capital Ratio | 12.46% | 11.71% | 14.33% | 18.43% | Beats 32% | 506 / 746 | | |
| Equity / Assets | 10.21% | 8.90% | 10.51% | 13.06% | Beats 47% | 398 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 78.74% | 61.31% | 78.27% | 90.78% | 51st pctl | 365 / 746 | | |
| Loans / Assets | 69.86% | 53.60% | 66.97% | 76.08% | 57th pctl | 320 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |