Greenwood, MS · Cert 9359 · Commerce Bcorp Inc.
State charter, non-member · FDIC · 16 branches
Q2 2026
Market Position · Jackson, MS · 2026 SOD (annual) · 0.8% share · #16 of 30 inst. · $0.2B of $23.5B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.28% | 1.18% | 0.99% | 1.16% | 1.13% | -15 bps | |
| Return on Equity | 11.71% | 10.71% | 8.97% | 10.57% | 10.11% | -160 bps | |
| Net Interest Margin | 2.85% | 2.88% | 2.62% | 3.00% | 3.08% | +23 bps | |
| Efficiency Ratio | 51.48% | 54.69% | 62.20% | 60.06% | 59.56% | +808 bps | |
| Non-Interest Burden | 1.01% | 1.20% | 1.38% | 1.48% | 1.57% | +55 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.63% | 4.32% | 16.70% | 17.91% | 16.70% | +1,207 bps | |
| Loan Growth (YoY) | 0.82% | 4.08% | 17.61% | 17.23% | 23.01% | +2,219 bps | |
| Deposit Growth (YoY) | 4.66% | 4.66% | 16.60% | 18.11% | 16.11% | +1,144 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.53% | 0.39% | 0.50% | 0.80% | 0.88% | +35 bps | |
| Net Charge-Offs / Loans | 0.18% | 0.23% | 0.19% | 0.07% | 0.13% | -5 bps | |
| Allowance / Loans | 1.02% | 0.93% | 0.83% | 0.83% | 0.78% | -24 bps | |
| Allowance Coverage of NPLs | 1.9x | 2.4x | 1.6x | 1.0x | 0.9x | -1.0x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 13.49% | 13.48% | 12.83% | 12.61% | 12.85% | -63 bps | |
| Total Risk-Based Capital | 13.49% | 13.48% | 12.83% | 12.61% | 12.85% | -63 bps | |
| Equity / Assets | 10.99% | 11.24% | 11.15% | 10.81% | 11.56% | +58 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 62.04% | 63.50% | 60.79% | 61.12% | 65.73% | +369 bps | |
| Liquid Assets / Assets | 29.40% | 27.69% | 30.18% | 30.58% | 26.70% | -270 bps | |
| CRE / Total Capital | n/a | 83.95% | 85.22% | 93.27% | n/a | n/a | |