BlastPoint's Banking Scorecard
Bank of Commerce
Designations: ✓ Community bank ✓ CDFI-certified
Greenwood, MS
17 branches across MS
Bank of Commerce has 3 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 23.59% below tier average
- + Efficiency Ratio 1.00% below tier average
- + Delinquency Rate 0.08% below tier average
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 44.0% in tier
- - Cost Spiral: Bottom 58.1% in tier
- - Non-Interest-Bearing Deposit Share 12.32% below tier average
- - Net Interest Margin 0.65% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.2B
+17.9% YoY
+3.3% QoQ
|
-$1.7B |
$2.8B
-0.1% YoY
|
$2.3B
+11.5% YoY
|
$6.2B
+9.1% YoY
|
Bottom 13.2% in tier |
| Total Loans ? |
$622.7M
+17.4% YoY
+4.3% QoQ
|
-$1.3B |
$2.0B
+0.6% YoY
|
$1.5B
+13.2% YoY
|
$3.2B
+10.8% YoY
|
Bottom 5.1% in tier |
| Total Deposits ? |
$1.0B
+18.1% YoY
+3.7% QoQ
|
-$1.3B |
$2.3B
-0.3% YoY
|
$1.9B
+10.5% YoY
|
$4.8B
+8.2% YoY
|
17% |
| Return on Assets ? |
1.16%
-28.4% YoY
+17.2% QoQ
|
-0.21% |
1.37%
+19.6% YoY
|
1.16%
+5.3% YoY
|
1.23%
+13.4% YoY
|
45% |
| Net Interest Margin ? |
3.17%
+12.2% YoY
+3.2% QoQ
|
-0.65% |
3.82%
+6.9% YoY
|
3.97%
+6.6% YoY
|
3.89%
+5.7% YoY
|
23% |
| Efficiency Ratio ? |
60.06%
+32.5% YoY
-3.4% QoQ
|
-1.00% |
61.06%
-4.6% YoY
|
67.65%
-1.2% YoY
|
66.95%
-4.1% YoY
|
49% |
| Delinquency Rate ? |
0.81%
+6.6% YoY
+60.5% QoQ
|
-0.08% |
0.89%
+14.1% YoY
|
1.06%
+2.0% YoY
|
0.95%
+18.8% YoY
|
34% |
| Loan-to-Deposit Ratio ? |
60.61%
-0.6% YoY
+0.5% QoQ
|
-23.59% |
84.20%
+0.3% YoY
|
70.20%
+3.2% YoY
|
76.70%
+0.9% YoY
|
Top 8.1% in tier |
| Non-Interest-Bearing Deposit Share ? |
8.97%
+24.6% YoY
-2.7% QoQ
|
-12.32% |
21.29%
-2.5% YoY
|
22.68%
-1.8% YoY
|
22.01%
-1.2% YoY
|
Bottom 9.8% in tier |
| Nonperforming Asset Ratio ? |
0.50%
+17.0% YoY
+50.6% QoQ
|
-0.18% |
0.67%
+15.6% YoY
|
0.74%
+0.7% YoY
|
0.67%
+19.3% YoY
|
45% |
| Tier 1 Capital Ratio ? |
12.61%
-4.0% YoY
-1.8% QoQ
|
-2.55% |
15.16%
+2.0% YoY
|
13.90%
-1.0% YoY
|
17.06%
+0.8% YoY
|
41% |
| Non-Interest Income / Assets ? |
0.18%
-48.3% YoY
-69.1% QoQ
|
-0.08% |
0.26%
+1.6% YoY
|
0.17%
-9.5% YoY
|
0.32%
+4.1% YoY
|
64% |
Get Full Access to Bank of Commerce
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
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 (0)
Concerns (2)
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Cost Spiral
riskHistorically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.