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Commerce Bank

$100M-$1B Specialty: Commercial MS FDIC cert 34938

Designations: ✓ CDFI-certified

Corinth, MS

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 39 in MS.
  • Deposits +7.4% year over year ($149.0M on the books).
  • Delinquency rate 1.75%.
  • Return on assets 2.48%.
  • Efficiency ratio 55.58% vs a 64.48% peer average.
  • Loan-to-deposit ratio 77.58% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 39 in MS
View $100M-$1B leaderboard (MS) →

Commerce Bank has 4 strengths but faces 1 concern

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Deposit Franchise: Top 5.0% in tier
  • + Revenue Diversifier: Top 22.5% in tier
  • + Return on Assets 1.16% above tier average
  • + Efficiency Ratio 8.90% below tier average

Key Concerns

Areas that may need attention

  • - Delinquency Rate 0.83% above tier average
Get updates when Commerce Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (MS) National Avg Tier Percentile
Total Assets ? $167.9M
+6.1% YoY +2.0% QoQ
-$218.7M $386.6M
+1.2% YoY
$2.3B
+4.7% YoY
$6.3B
+7.7% YoY
19%
Total Loans ? $115.6M
+8.2% YoY +4.3% QoQ
-$142.8M $258.3M
+1.7% YoY
$1.6B
+6.5% YoY
$3.2B
+9.4% YoY
24%
Total Deposits ? $149.0M
+7.4% YoY +2.7% QoQ
-$177.8M $326.7M
+0.7% YoY
$1.9B
+4.9% YoY
$4.9B
+7.3% YoY
21%
Return on Assets ? 2.48%
-2.2% YoY -2.1% QoQ
+1.16% 1.32%
+10.8% YoY
1.27%
+12.8% YoY
1.30%
+12.1% YoY
Top 4.8% in tier
Net Interest Margin ? 5.61%
-0.5% YoY +2.7% QoQ
+1.62% 3.99%
+5.0% YoY
4.02%
+5.6% YoY
3.95%
+4.9% YoY
Top 2.4% in tier
Efficiency Ratio ? 55.58%
+2.5% YoY +1.8% QoQ
-8.90% 64.48%
-3.2% YoY
65.83%
-2.8% YoY
70.05%
+2.5% YoY
71%
Delinquency Rate ? 1.75%
+31.6% YoY +3.7% QoQ
+0.83% 0.92%
+15.7% YoY
1.03%
+6.0% YoY
0.98%
+16.3% YoY
15%
Loan-to-Deposit Ratio ? 77.58%
+0.8% YoY +1.6% QoQ
-0.38% 77.95%
+1.0% YoY
72.48%
+3.6% YoY
79.03%
+2.3% YoY
54%
Non-Interest-Bearing Deposit Share ? 42.33%
+0.8% YoY -1.8% QoQ
+20.30% 22.03%
-0.6% YoY
22.74%
-2.6% YoY
21.98%
-0.6% YoY
Top 3.4% in tier
Nonperforming Asset Ratio ? 1.22%
+36.0% YoY +6.0% QoQ
+0.55% 0.67%
+16.4% YoY
0.80%
+11.3% YoY
0.69%
+15.8% YoY
16%
Tier 1 Capital Ratio ? 12.46%
-0.6% YoY -1.5% QoQ
-3.45% 15.91%
+1.4% YoY
13.77%
-2.2% YoY
17.09%
+0.8% YoY
41%
Non-Interest Income / Assets ? 0.43%
+6.3% YoY +73.6% QoQ
-0.14% 0.57%
+7.6% YoY
0.38%
+2.4% YoY
0.66%
+5.2% YoY
Top 12.7% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (MS) National Avg Tier Percentile
Noninterest-Bearing 42.3%
+0.4pp YoY
-0.8pp QoQ
 +20.2pp 22.1% 23.1% 22.2% 96%
Brokered Deposits n/a n/a 7.9% 3.8% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (MS) National Avg Tier Percentile
C&I 23.8%
-1.3pp YoY
+0.3pp QoQ
 +12.2pp 11.6% 12.4% 12.5% 92%
CRE 17.4%
+1.1pp YoY
+0.1pp QoQ
 -22.1pp 39.5% 42.3% 41.4% 14%
1-4 Family 47.9%
+1.2pp YoY
-0.2pp QoQ
 +15.3pp 32.6% 33.1% 31.3% 80%
Consumer 6.6%
-0.7pp YoY
-0.2pp QoQ
 +2.5pp 4.1% 5.6% 5.0% 84%

Capital

Metric Current vs Tier Tier Avg State Avg (MS) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 16.5% 19.7% n/a
Leverage Ratio 12.5%
-0.1pp YoY
-0.2pp QoQ
 +0.3pp 12.2% 11.9% 12.6% 70%
Total Capital Ratio n/a n/a 19.9% 17.7% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (MS) National Avg Tier Percentile
Full-Time Employees 29
0 YoY
0 QoQ
 -30 58 297 482 25%
Assets per Employee ($) $5.8M
+6.1% YoY
+2.0% QoQ
 -$1.7M $7.5M $6.2M $8.8M 29%
Branch Count 1
0 YoY
0 QoQ
 -4 4 22 18 0%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (MS) National Avg Tier Percentile
Past Due 90+ Days 0.4%
+0.3pp YoY
+0.2pp QoQ
 +0.1pp 0.3% 0.3% 0.4% 79%
Nonaccrual 1.4%
+0.1pp YoY
-0.1pp QoQ
 +0.4pp 0.9% 0.9% 1.0% 79%
Allowance Coverage 0.86x
-28.4% YoY
-8.1% QoQ
 -23.30x 24.15x 4.87x 20.23x 23%
Net Charge-off Rate (YTD) 0.2%
+0.1pp YoY
+0.1pp QoQ
 +0.1pp 0.1% 0.1% 0.2% 86%

Profitability

Metric Current vs Tier Tier Avg State Avg (MS) National Avg Tier Percentile
ROE 24.4%
-2.5pp YoY
-0.6pp QoQ
 +12.2pp 12.2% 11.7% 11.6% 96%
Cost of Funds (YTD) 1.0%
+0.1pp YoY
0.0pp QoQ
 -0.7pp 1.7% 1.8% 1.7% 11%
Net Income ($, YTD) $2.0M
+1.6% YoY
— QoQ
 -$525K $2.6M $13.8M $40.4M 53%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (2)

Deposit Franchise

growth
#15 of 278 • Top 5.0% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature
Noninterest-Bearing Deposit Share: 42.33%
(Tier: 22.03%, National: 21.98%)
better than tier avg
Net Interest Margin: 5.61%
(Tier: 3.99%, National: 3.95%)
better than tier avg
278 of 278 Community banks match · 368 nationally
→ Stable -1 banks QoQ

Revenue Diversifier

growth
#150 of 661 • Top 22.5% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature
Noninterest Income / Assets: 0.43%
(Tier: 0.57%, National: 0.66%)
but worse than tier avg
Return on Assets: 2.48%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank declining

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (4 metrics)

65
Net Interest Margin
profitability
Value: 5.61%
Peer Median: 3.99%
#65 of 2643 Top 2.4% in $100M-$1B
92
Non-Interest-Bearing Deposit Share
funding
Value: 42.33%
Peer Median: 22.03%
#92 of 2643 Top 3.4% in $100M-$1B
129
Return on Assets
profitability
Value: 2.48%
Peer Median: 1.32%
#129 of 2643 Top 4.8% in $100M-$1B
336
Non-Interest Income / Assets
revenue_mix
Value: 0.43%
Peer Median: 0.57%
#336 of 2643 Top 12.7% in $100M-$1B

Top Weaknesses (5 metrics)

2226
Delinquency Rate
credit_quality
Value: 1.75%
Peer Median: 0.92%
#2226 of 2633 Bottom 15.5% in $100M-$1B
2220
Nonperforming Asset Ratio
credit_quality
Value: 1.22%
Peer Median: 0.67%
#2220 of 2643 Bottom 16.0% in $100M-$1B
2145
Total Assets
size
Value: $167.90M
Peer Median: $386.57M
#2145 of 2643 Bottom 18.9% in $100M-$1B
2081
Total Deposits
size
Value: $148.98M
Peer Median: $326.73M
#2081 of 2643 Bottom 21.3% in $100M-$1B
2008
Total Loans
size
Value: $115.57M
Peer Median: $258.35M
#2008 of 2643 Bottom 24.1% in $100M-$1B
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