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
Unfavorable gap of $17.9M · efficiency ratio beats 50% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.13% | 0.91% | 1.22% | 1.52% | Beats 41% | 194 / 328 | | |
| Return on Equity | 9.80% | 8.43% | 11.45% | 14.43% | Beats 33% | 219 / 328 | | |
| Net Interest Margin | 3.08% | 3.03% | 3.45% | 3.83% | Beats 28% | 237 / 328 | | |
| Efficiency Ratio | 59.56% | 51.61% | 59.56% | 67.53% | Beats 50% | 165 / 328 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.88% | 0.24% | 0.51% | 1.03% | Beats 29% | 230 / 322 | | |
| Net Charge-Offs / Loans | 0.08% | 0.01% | 0.03% | 0.10% | Beats 30% | 225 / 322 | | |
| Capital |
| Tier 1 Capital Ratio | 12.85% | 11.75% | 13.15% | 15.47% | Beats 46% | 176 / 328 | | |
| Total Risk-Based Capital Ratio | 12.85% | 12.63% | 14.15% | 16.46% | Beats 29% | 234 / 328 | | |
| Equity / Assets | 11.56% | 9.15% | 10.33% | 12.01% | Beats 70% | 100 / 328 | | |
| Liquidity & Funding |
| Loans / Deposits | 65.73% | 76.63% | 87.92% | 95.36% | 11th pctl | 287 / 323 | | |
| Loans / Assets | 57.72% | 65.18% | 74.15% | 79.98% | 15th pctl | 280 / 328 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |