BanksCOMMERCIAL BANK, THE

COMMERCIAL BANK, THE

DE KALB, MSSmallEst. Dec. 1, 1914, midnightFDIC #9356RSSD #700430FDIC
Latest · 2025-12-31

COMMERCIAL BANK, THE is an FDIC-insured commercial bank headquartered in DE KALB, MS, established in Dec. 1, 1914, midnight. As of 2025-12-31, the bank reported total assets of $278M and total deposits of $252M. Profitability stands at 0.96% ROA and 15.53% ROE, with a net interest margin of 3.79%. CET1 capital ratio: 6.27%, below the well-capitalized threshold. NPL ratio: 0.10% · Texas Ratio: 1.18%. Operates 5 domestic branches.

Assets
$278M
Deposits
$252M
Loans
$152M
Equity
$17M

Profitability

Return on Assets (ROA)0.96%
Return on Equity (ROE)15.53%
Net Interest Margin3.79%
Yield on Assets6.09%
Cost of Funds2.27%

Asset Quality

NPL Ratio0.10%
Net Charge-Off Ratio0.22%
Texas Ratio1.18%
NPA Ratio0.08%
ACL / Loans1.67%

Capital & Liquidity

CET1 Ratio6.27%
Tier 1 Capital6.27%
Total Capital Ratio6.58%
Leverage Ratio10.69%
Loan-to-Deposit60.43%

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