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Bank of Commerce

Greenwood, MS · Cert 9359 · Commerce Bcorp Inc.

State charter, non-member · FDIC · 16 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets (n=322 to 328). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

48

Q2 2024Q2 2026peer median (50)

Asset Quality

30

Q2 2024Q2 2026peer median (50)

Profitability

34

Q2 2024Q2 2026peer median (50)

Liquidity

5

Q2 2024Q2 2026peer median

Efficiency

50

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Bank of Commerce

Greenwood, MS · Cert 9359 · Commerce Bcorp Inc.

State charter, non-member · FDIC · 16 branches

Q2 2026

$1.1BAssets
$654.8MLoans
$996.2MDeposits
$131.2MEquity
Loan mix
84%RE $480.0M12%C&I $69.3M4%Consumer $20.8MQ3 2024Q2 2026
Deposit mix
91%Interest-bearing $906.0M9%Noninterest $90.1MQ3 2024Q2 2026

Market Position · Jackson, MS · 2026 SOD (annual) · 0.8% share · #16 of 30 inst. · $0.2B of $23.5B

42.2% Leflore
37.8% Holmes
53.2% Tallahatchie
100.0% Carroll

Executive Summary

  • Earnings: ROA of 1.13%, down 15 bps year over year; NIM at 3.08%.
  • Asset quality: problem loans at 0.88% of loans (+35 bps YoY), with net charge-offs at 0.13%.
  • Capital: tier 1 leverage ratio of 12.85%, down 63 bps from a year ago.
  • Funding: loans stand at 65.73% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.13%-15 bps YoY

Net Interest Margin (YTD, annualized)

3.08%+23 bps YoY

Efficiency Ratio (YTD, annualized)

59.56%+808 bps YoY

Tier 1 Leverage Ratio

12.85%-63 bps YoY

NIM

4.83%Q2 ’244.98%Q2 ’254.81%Q2 ’26+10%+8%

Non-interest income vs. expense

1.87%Q2 ’241.90%Q2 ’252.16%Q2 ’26-9%+55%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.11%0.94%1.62%1.28%1.18%0.99%1.16%1.13%-15 bps
Return on Equity10.20%8.65%14.89%11.71%10.71%8.97%10.57%10.11%-160 bps
Net Interest Margin2.63%2.64%2.69%2.85%2.88%2.62%3.00%3.08%+23 bps
Efficiency Ratio57.38%63.05%45.33%51.48%54.69%62.20%60.06%59.56%+808 bps
Non-Interest Burden1.20%1.40%0.44%1.01%1.20%1.38%1.48%1.57%+55 bps
Growth
Asset Growth (YoY)13.53%6.93%3.07%4.63%4.32%16.70%17.91%16.70%+1,207 bps
Loan Growth (YoY)14.46%2.63%4.01%0.82%4.08%17.61%17.23%23.01%+2,219 bps
Deposit Growth (YoY)10.15%7.01%2.49%4.66%4.66%16.60%18.11%16.11%+1,144 bps
Asset Quality
Nonperforming Loans / Loans0.44%0.97%0.75%0.53%0.39%0.50%0.80%0.88%+35 bps
Net Charge-Offs / Loans0.19%0.18%0.16%0.18%0.23%0.19%0.07%0.13%-5 bps
Allowance / Loans0.95%0.97%0.98%1.02%0.93%0.83%0.83%0.78%-24 bps
Allowance Coverage of NPLs2.2x1.0x1.3x1.9x2.4x1.6x1.0x0.9x-1.0x
Capital
Tier 1 Leverage Ratio13.46%13.59%13.13%13.49%13.48%12.83%12.61%12.85%-63 bps
Total Risk-Based Capital13.46%13.59%13.13%13.49%13.48%12.83%12.61%12.85%-63 bps
Equity / Assets11.44%10.93%10.82%10.99%11.24%11.15%10.81%11.56%+58 bps
Liquidity & Funding
Loans / Deposits63.85%60.27%61.58%62.04%63.50%60.79%61.12%65.73%+369 bps
Liquid Assets / Assets27.44%30.79%29.54%29.40%27.69%30.18%30.58%26.70%-270 bps
CRE / Total Capitaln/an/an/an/a83.95%85.22%93.27%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Bank of Commerce

Greenwood, MS · Cert 9359 · Peer group: banks $1B-$10B in assets (n=322-328) · Commerce Bcorp Inc.

State charter, non-member · FDIC · 16 branches

Q2 2026

$1.1BAssets
$654.8MLoans
$996.2MDeposits
$131.2MEquity

Executive Summary

  • Strongest standing: equity / assets outperforms 70% of banks $1B-$10B in assets (rank 100 of 328).
  • Widest gap: net interest margin trails 72% of banks $1B-$10B in assets (rank 237 of 328).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

1.13%

Rank 194 of 328

Net Interest Margin

3.08%

Rank 237 of 328

Efficiency Ratio

59.56%

Rank 165 of 328

Equity / Assets

11.56%

Rank 100 of 328

Non-interest income vs. expense

$6.7M$24.6MINCOMEEXPENSE
Unfavorable gap of $17.9M · efficiency ratio beats 50% of banks $1B-$10B in assets
Bank 59.56%Peer median 59.6%Q1 2026Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.13%0.91%1.22%1.52%Beats 41%194 / 328
Return on Equity9.80%8.43%11.45%14.43%Beats 33%219 / 328
Net Interest Margin3.08%3.03%3.45%3.83%Beats 28%237 / 328
Efficiency Ratio59.56%51.61%59.56%67.53%Beats 50%165 / 328
Asset Quality
Nonperforming Loans / Loans0.88%0.24%0.51%1.03%Beats 29%230 / 322
Net Charge-Offs / Loans0.08%0.01%0.03%0.10%Beats 30%225 / 322
Capital
Tier 1 Capital Ratio12.85%11.75%13.15%15.47%Beats 46%176 / 328
Total Risk-Based Capital Ratio12.85%12.63%14.15%16.46%Beats 29%234 / 328
Equity / Assets11.56%9.15%10.33%12.01%Beats 70%100 / 328
Liquidity & Funding
Loans / Deposits65.73%76.63%87.92%95.36%11th pctl287 / 323
Loans / Assets57.72%65.18%74.15%79.98%15th pctl280 / 328
Brokered Deposits / Depositsn/aNot reported for this institution