Bank of Commerce (Greenwood, MS)
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Data as of · sourced from FFIEC call reports. How we update
Bank of Commerce is an FDIC-insured commercial bank headquartered in Greenwood, MS, established in 1904 (FDIC certificate 9359), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $1.13B, up 16.7% from Q2 2025, the 13th largest of 57 banks headquartered in Mississippi. It reports no CET1 ratio; its Tier 1 leverage ratio was 12.85% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 9359
- Headquarters
- Greenwood, MS
- Established
- 1904
- Total assets, Q2 2026
- $1.13B
- Assets vs Q2 2025
- +16.7%
- Tier 1 leverage ratio, Q2 2026
- 12.85%
- Domestic offices
- 16 FDIC institution directory, current count
- Routing number
- 084200981
- Latest call report
- Q2 2026, FFIEC 051 · Bank of Commerce call report
- Holding company
- COMMERCE BANCORP, INC
- Asset rank in state
- 13th of 57 in Mississippi
Problem loans are rising at Bank of Commerce. Its balance sheet stood at $1.1 billion at June 30, 2026, up 16.7% from a year earlier; it is based in Greenwood, Mississippi. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.88% of loans from 0.53% a year earlier. It holds commercial real estate loans equal to only 43% of its capital, a small fraction of the median of 2.2 times for the 895 banks with $1 billion to $10 billion in assets. It also grew its loan book 23.0% over the year, 3.9 times the median of 5.9% for banks its size.
Earnings jumped: net income for the quarter was $3.1 million, 37% above the same quarter a year earlier. Over the same year, loans grew 23.0% and deposits grew 16.1%.
As of June 30, 2026, Bank of Commerce reported a return on assets of 1.09%, a nonperforming-loan ratio of 0.88% and a Texas ratio of 5.56%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Bank of Commerce is the 13th largest of the 57 banks headquartered in Mississippi. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 2.2% to $1.13B, loans rose 4.3% and deposits fell 3.0%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 36.5% of total loans, ahead of farmland and other real estate loans at 18.6%. Its 16 offices in the FDIC Summary of Deposits are in 13 cities in MS; its Greenwood 2 offices book 48% of its branch deposits. On its Q2 2026 call report, Bank of Commerce meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 310 Howard St, Greenwood, MS 38930
- County
- Leflore
- Metro Area
- Greenwood, MS
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- August 4, 1904
- Domestic offices
- 16 FDIC institution directory, current count
- Employees (FTE)
- 134
- Domestic deposits
- $996.2M
- Allowance for credit losses
- $5.1M
- Net charge-offs (YTD)
- $437K
- Average total assets
- $1.14B
- Average total loans
- $640.5M
- Average interest-bearing deposits
- $868.8M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 9359
- Fed RSSD
- 99442
- SEC CIK
- 1620686 → filed by COMMERCE BANCORP, INC
- Website
- WWW.BANKCOM.COM →
- Parent Holding Company
- COMMERCE BANCORP, INC (RSSD 2770660)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Bank of Commerce reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Bank of Commerce's total assets moved between a low of $822.0M (Q3 2023) and a high of $1.16B (Q1 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$1.13B total assets against $972.2M; $1.00B total liabilities against $865.4M.
$649.7M net loans and leases against $526.9M; $996.2M total deposits against $858.0M.
$242.6M securities against $243.2M; $161.8M cash and balances due against $139.1M.
$14.0M total interest income against $12.2M; $5.0M total interest expense against $5.1M.
$8.9M net interest income against $7.1M.
$1.3M total noninterest income against $895K; $6.0M total noninterest expense against $4.7M.
$235K provision for credit losses against $465K.
$3.1M net income against $2.3M.
1.09% return on assets against 0.95%; 3.38% net interest margin against 3.15%.
12.85% tier 1 leverage ratio against 13.49%.
Inside the full Bank of Commerce terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeBank of Commerce rankings
Its closest position to the top of a national ranking is 927 of 4,196, for total assets; its furthest is 2,285 of 3,611, for ROA.
Banks merged into Bank of Commerce
- Holmes County Bank, effective October 6, 2025
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.46% (Q4 2024) to 1.63% (Q1 2025) and its net interest margin ran from 2.80% (Q3 2024) to 3.38% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.85% | 1.09% | 0.88% | 5.56% | 3.38% |
| Q1 2026 | 12.61% | 1.16% | 0.80% | 5.29% | 3.20% |
| Q4 2025 | 12.83% | 0.48% | 0.50% | 3.42% | 3.32% |
| Q3 2025 | 13.48% | 0.99% | 0.39% | 2.71% | 3.08% |
| Q2 2025 | 13.49% | 0.95% | 0.53% | 3.14% | 3.15% |
| Q1 2025 | 13.13% | 1.63% | 0.75% | 4.46% | 2.84% |
| Q4 2024 | 13.59% | 0.46% | 0.97% | 5.60% | 2.83% |
| Q3 2024 | 13.46% | 0.99% | 0.44% | 2.61% | 2.80% |
Swipe the table sideways to see every column.
Branch Network
View all 16 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Bank of Commerce (main office) | Greenwood , MS | 38930 | $319.2M |
| Park Avenue Branch | Greenwood , MS | 38930 | $159.5M |
| Tallahatchie County Bank Branch | Charleston , MS | 38921 | $93.8M |
| Lexington Branch | Lexington , MS | 39095 | $80.6M |
| North Carrollton Branch | North Carrollton , MS | 38947 | $80.2M |
| Bank of Morton Branch | Morton , MS | 39117 | $69.8M |
| West Point Branch | West Point , MS | 39773 | $39.4M |
| Bank of Commerce Starkville | Starkville , MS | 39759 | $32.1M |
| Goodman Branch | Goodman , MS | 39079 | $32.0M |
| Oxford Branch | Oxford , MS | 38655 | $31.4M |
| Columbus Branch | Columbus , MS | 39701 | $14.8M |
| Holmes County Bank & Trust Company Branch | Kosciusko , MS | 39090 | $14.8M |
| Bank of Commerce Branch | Columbus , MS | 39705 | $11.7M |
| Vaiden Branch | Vaiden , MS | 39176 | $10.3M |
| West Branch | West , MS | 39192 | $6.4M |
| Starkville Branch | Starkville , MS | 39759 | $167K |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| October 6, 2025 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 6, 2025 | Structure Change | Acquired Holmes County Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 1, 2024 | Structure Change | Acquired Bank of Morton Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 31, 2023 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 1, 2019 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 1, 2019 | Structure Change | Acquired Peoples Bank & Trust Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 1, 2018 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 1, 2018 | Structure Change | Acquired Tallahatchie County Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 8 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 1.2% of deposits in MS, rank 14 of 80 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 486 applications, 382 loans originated, $51.2M originated, across 3 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $78K approved, $78K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1998 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Bank of Commerce
What are Bank of Commerce's total assets?
As of the Q2 2026 filing, Bank of Commerce reported total assets of $1.13 billion in its FFIEC call report.
Where is Bank of Commerce headquartered?
It is headquartered in Greenwood, MS, United States.
When was Bank of Commerce founded?
It was established in 1904, per the FDIC institution directory.
Is Bank of Commerce FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #9359). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Bank of Commerce?
Bank of Commerce's primary federal regulator is the FDIC.
How many branches does Bank of Commerce operate?
It operates 16 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Bank of Commerce's Texas Ratio?
Its Texas Ratio is 5.56% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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