COMMERCE BANK

CORINTH, MS | Small | Est. Jan. 19, 1999, midnight | FDIC #34938 | RSSD #2746245 | FED
Latest Report: 2025-12-31

COMMERCE BANK is asn small FDIC-insured commercial bank headquartered in CORINTH, MS, established in Jan. 19, 1999, midnight. As of 2025-12-31, the bank reported total assets of $159M and total deposits of $138M. Profitability stands at 2.11% ROA and 20.35% ROE, with a net interest margin of 5.66%. The bank's CET1 capital ratio is 10.15%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.07% and a Texas Ratio of 6.85%. FDIC Certificate #34938. The institution operates 1 domestic branch.

Assets

$159M

Deposits

$138M

Loans

$111M

Equity

$16M

Profitability

Return on Assets (ROA) 2.11%
Return on Equity (ROE) 20.35%
Net Interest Margin (NIM) 5.66%
Yield on Assets 6.76%
Cost of Funds 1.14%

Asset Quality

NPL Ratio 1.07%
Net Charge-Off Ratio 0.20%
Texas Ratio 6.85%
NPA Ratio 0.77%
ACL / Loans 1.53%

Capital & Liquidity

CET1 Ratio 10.15%
Tier 1 Capital 10.15%
Total Capital Ratio 10.65%
Leverage Ratio 12.03%
Loan-to-Deposit 80.94%

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