BlastPoint's Banking Scorecard

Bank of Commerce

$1B-$10B Specialty: Agricultural MS FDIC cert 9359

Designations: ✓ Community bank ✓ CDFI-certified

Greenwood, MS

16 branches across 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 885 banks in the $1B-$10B peer group nationwide — 1 of 11 in MS.
Deposits +16.1% year over year ($996.2M on the books).
Delinquency rate 0.89%.
Return on assets 1.13%.
Efficiency ratio 59.56% vs a 59.73% peer average.
Loan-to-deposit ratio 65.22% vs a 85.04% peer average.

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

885 banks in the $1B-$10B peer group nationally 11 in MS

View $1B-$10B leaderboard (MS) →

Bank of Commerce has 1 strength but faces 4 concerns

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

+ Efficiency Ratio 0.16% below tier average

Key Concerns

Areas that may need attention

- Margin Compression: Bottom 49.4% in tier
- Cost Spiral: Bottom 61.3% in tier
- Non-Interest-Bearing Deposit Share 12.22% below tier average
- Net Interest Margin 0.60% below tier average

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Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (MS)	National Avg	Tier Percentile
Total Assets ?	$1.1B +16.7% YoY -2.2% QoQ	-$1.7B	$2.8B -0.6% YoY	$2.3B +4.7% YoY	$6.3B +7.7% YoY	Bottom 12.3% in tier
Total Loans ?	$649.7M +23.3% YoY +4.3% QoQ	-$1.3B	$2.0B -0.3% YoY	$1.6B +6.5% YoY	$3.2B +9.4% YoY	Bottom 5.9% in tier
Total Deposits ?	$996.2M +16.1% YoY -3.0% QoQ	-$1.3B	$2.3B -0.5% YoY	$1.9B +4.9% YoY	$4.9B +7.3% YoY	16%
Return on Assets ?	1.13% -11.7% YoY -2.6% QoQ	-0.26%	1.39% +17.0% YoY	1.27% +12.8% YoY	1.30% +12.1% YoY	39%
Net Interest Margin ?	3.27% +10.1% YoY +3.3% QoQ	-0.60%	3.87% +6.2% YoY	4.02% +5.6% YoY	3.95% +4.9% YoY	25%
Efficiency Ratio ?	59.56% +15.7% YoY -0.8% QoQ	-0.16%	59.73% -12.6% YoY	65.83% -2.8% YoY	70.05% +2.5% YoY	48%
Delinquency Rate ?	0.89% +66.0% YoY +9.8% QoQ	+0.02%	0.87% +11.7% YoY	1.03% +6.0% YoY	0.98% +16.3% YoY	31%
Loan-to-Deposit Ratio ?	65.22% +6.2% YoY +7.6% QoQ	-19.82%	85.04% -0.1% YoY	72.48% +3.6% YoY	79.03% +2.3% YoY	Top 10.7% in tier
Non-Interest-Bearing Deposit Share ?	9.05% +26.6% YoY +0.9% QoQ	-12.22%	21.27% -1.5% YoY	22.74% -2.6% YoY	21.98% -0.6% YoY	Bottom 9.2% in tier
Nonperforming Asset Ratio ?	0.56% +83.6% YoY +12.4% QoQ	-0.11%	0.67% +11.7% YoY	0.80% +11.3% YoY	0.69% +15.8% YoY	39%
Tier 1 Capital Ratio ?	12.85% -4.7% YoY +2.0% QoQ	-1.99%	14.84% -0.4% YoY	13.77% -2.2% YoY	17.09% +0.8% YoY	47%
Non-Interest Income / Assets ?	0.30% -32.4% YoY +67.6% QoQ	-0.23%	0.53% +2.5% YoY	0.38% +2.4% YoY	0.66% +5.2% YoY	51%

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	9.0% +1.9pp YoY +0.1pp QoQ	-12.3pp	21.4%	23.1%	22.2%	9%
Brokered Deposits	0.6% -0.6pp YoY -0.4pp QoQ	-8.8pp	9.5%	3.8%	8.5%	14%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (MS)	National Avg	Tier Percentile
C&I	10.6% -0.3pp YoY -0.5pp QoQ	-3.4pp	14.0%	12.4%	12.5%	46%
CRE	19.3% -0.7pp YoY -1.8pp QoQ	-30.7pp	50.0%	42.3%	41.4%	4%
1-4 Family	36.8% -1.0pp YoY -0.7pp QoQ	+10.4pp	26.4%	33.1%	31.3%	78%
Consumer	3.2% +0.2pp YoY -0.2pp QoQ	-1.5pp	4.7%	5.6%	5.0%	74%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (MS)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	15.6%	16.5%	19.7%	n/a
Leverage Ratio	12.9% -0.6pp YoY +0.2pp QoQ	+1.5pp	11.3%	11.9%	12.6%	84%
Total Capital Ratio	n/a	n/a	16.7%	17.7%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (MS)	National Avg	Tier Percentile
Full-Time Employees	134 +36 (+36.7%) YoY 0 QoQ	-180	313	297	482	18%
Assets per Employee ($)	$8.5M -14.7% YoY -2.2% QoQ	-$2.0M	$10.5M	$6.2M	$8.8M	47%
Branch Count	16 +6 (+60.0%) YoY +1 (+6.7%) QoQ	-4	20	22	18	53%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (MS)	National Avg	Tier Percentile
Past Due 90+ Days	0.5% +0.3pp YoY 0.0pp QoQ	+0.3pp	0.2%	0.3%	0.4%	94%
Nonaccrual	0.4% 0.0pp YoY 0.0pp QoQ	-0.4pp	0.8%	0.9%	1.0%	40%
Allowance Coverage	0.89x -53.8% YoY -14.4% QoQ	-17.82x	18.71x	4.87x	20.23x	19%
Net Charge-off Rate (YTD)	0.1% 0.0pp YoY +0.1pp QoQ	-0.1pp	0.3%	0.1%	0.2%	74%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (MS)	National Avg	Tier Percentile
ROE	10.1% -1.6pp YoY -0.5pp QoQ	-2.5pp	12.6%	11.7%	11.6%	34%
Cost of Funds (YTD)	1.9% -0.4pp YoY 0.0pp QoQ	0.0pp	1.9%	1.8%	1.7%	50%
Net Income ($, YTD)	$6.4M +3.5% YoY — QoQ	-$12.8M	$19.2M	$13.8M	$40.4M	19%

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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 (0)

No matched strength signatures this quarter

Concerns (2)

Margin Compression

decline

#43 of 85 • Bottom 49.4% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature

Return on Assets: 1.13%

(Tier: 1.39%, National: 1.30%)

worse than tier avg

85 of 85 Mid-Market banks match · 413 nationally

→ Stable +8 banks QoQ | QoQ rank declining

Cost Spiral

risk

#20 of 31 • Bottom 61.3% in tier

Historically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.

Why this signature

Efficiency Ratio: 59.56%

(Tier: 59.73%, National: 70.05%)

better than tier avg

31 of 31 Mid-Market banks match · 184 nationally

→ Stable +9 banks QoQ

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 885 peers in $1B-$10B

Top Strengths (1 metrics)

Loan-to-Deposit Ratio

liquidity

Value: 65.22%

Peer Median: 85.04%

#96 of 885 Top 10.7% in $1B-$10B

Top Weaknesses (5 metrics)

834

Total Loans

size

Value: $649.69M

Peer Median: $1.96B

#834 of 885 Bottom 5.9% in $1B-$10B

805

Non-Interest-Bearing Deposit Share

funding

Value: 9.05%

Peer Median: 21.27%

#805 of 885 Bottom 9.2% in $1B-$10B

777

Total Assets

size

Value: $1.13B

Peer Median: $2.79B

#777 of 885 Bottom 12.3% in $1B-$10B

747

Total Deposits

size

Value: $996.17M

Peer Median: $2.32B

#747 of 885 Bottom 15.7% in $1B-$10B

666

Net Interest Margin

profitability

Value: 3.27%

Peer Median: 3.87%

#666 of 885 Bottom 24.9% in $1B-$10B