BlastPoint's Banking Scorecard

Commerce Bank

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

Designations: ✓ CDFI-certified

Corinth, MS

2664 banks in the $100M-$1B peer group nationally 42 in 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 5.5% in tier
+ Revenue Diversifier: Top 17.7% in tier
+ Profitability Leader: Top 34.7% in tier
+ Efficiency Ratio 10.70% below tier average

Key Concerns

Areas that may need attention

- Delinquency Rate 0.80% above tier average

Get updates when Commerce Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MS)	National Avg	Tier Percentile
Total Assets ?	$164.6M +3.2% YoY +3.8% QoQ	-$221.5M	$386.1M +0.5% YoY	$2.3B +11.5% YoY	$6.2B +9.1% YoY	18%
Total Loans ?	$110.8M +6.6% YoY +0.9% QoQ	-$145.0M	$255.7M +1.1% YoY	$1.5B +13.2% YoY	$3.2B +10.8% YoY	23%
Total Deposits ?	$145.1M +1.3% YoY +5.4% QoQ	-$182.9M	$328.0M +0.1% YoY	$1.9B +10.5% YoY	$4.8B +8.2% YoY	20%
Return on Assets ?	2.53% +5.6% YoY +6.0% QoQ	+1.27%	1.27% +12.9% YoY	1.16% +5.3% YoY	1.23% +13.4% YoY	Top 4.2% in tier
Net Interest Margin ?	5.46% -0.5% YoY -3.2% QoQ	+1.53%	3.93% +6.0% YoY	3.97% +6.6% YoY	3.89% +5.7% YoY	Top 3.2% in tier
Efficiency Ratio ?	54.59% -2.3% YoY -3.7% QoQ	-10.70%	65.29% -4.5% YoY	67.65% -1.2% YoY	66.95% -4.1% YoY	75%
Delinquency Rate ?	1.69% +120.9% YoY +46.1% QoQ	+0.80%	0.89% +18.8% YoY	1.06% +2.0% YoY	0.95% +18.8% YoY	16%
Loan-to-Deposit Ratio ?	76.34% +5.2% YoY -4.2% QoQ	-0.30%	76.64% +0.8% YoY	70.20% +3.2% YoY	76.70% +0.9% YoY	54%
Non-Interest-Bearing Deposit Share ?	43.11% +3.3% YoY +3.2% QoQ	+21.09%	22.02% -1.0% YoY	22.68% -1.8% YoY	22.01% -1.2% YoY	Top 3.4% in tier
Nonperforming Asset Ratio ?	1.15% +131.3% YoY +41.2% QoQ	+0.51%	0.64% +19.7% YoY	0.74% +0.7% YoY	0.67% +19.3% YoY	17%
Tier 1 Capital Ratio ?	12.65% +1.9% YoY +5.2% QoQ	-3.18%	15.83% +1.5% YoY	13.90% -1.0% YoY	17.06% +0.8% YoY	43%
Non-Interest Income / Assets ?	0.25% +18.5% YoY -69.1% QoQ	-0.03%	0.28% +9.3% YoY	0.17% -9.5% YoY	0.32% +4.1% YoY	Top 9.4% in tier

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 (3)

Deposit Franchise

growth

#16 of 272 • Top 5.5% 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: 43.11%

(Tier: 22.02%, National: 22.01%)

better than tier avg

Net Interest Margin: 5.46%

(Tier: 3.93%, National: 3.89%)

better than tier avg

272 of 272 Community banks match · 369 nationally

→ Stable -14 banks QoQ | QoQ rank declining

Revenue Diversifier

growth

#119 of 666 • Top 17.7% 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: 0.25%

(Tier: 0.28%, National: 0.32%)

but worse than tier avg

Return on Assets: 2.53%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Profitability Leader

growth

#232 of 666 • Top 34.7% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 2.53%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | 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).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (4 metrics)

Net Interest Margin

profitability

Value: 5.46%

Peer Median: 3.93%

#87 of 2664 Top 3.2% in $100M-$1B

Non-Interest-Bearing Deposit Share

funding

Value: 43.11%

Peer Median: 22.02%

#91 of 2664 Top 3.4% in $100M-$1B

112

Return on Assets

profitability

Value: 2.53%

Peer Median: 1.27%

#112 of 2664 Top 4.2% in $100M-$1B

252

Non-Interest Income / Assets

revenue_mix

Value: 0.25%

Peer Median: 0.28%

#252 of 2664 Top 9.4% in $100M-$1B

Top Weaknesses (5 metrics)

2240

Delinquency Rate

credit_quality

Value: 1.69%

Peer Median: 0.89%

#2240 of 2654 Bottom 15.6% in $100M-$1B

2224

Nonperforming Asset Ratio

credit_quality

Value: 1.15%

Peer Median: 0.64%

#2224 of 2664 Bottom 16.6% in $100M-$1B

2182

Total Assets

size

Value: $164.63M

Peer Median: $386.08M

#2182 of 2664 Bottom 18.1% in $100M-$1B

2139

Total Deposits

size

Value: $145.08M

Peer Median: $327.97M

#2139 of 2664 Bottom 19.7% in $100M-$1B

2052

Total Loans

size

Value: $110.75M

Peer Median: $255.72M

#2052 of 2664 Bottom 23.0% in $100M-$1B