Commerce Bank (Corinth, MS)
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Data as of · sourced from FFIEC call reports. How we update
Commerce Bank is an FDIC-insured commercial bank headquartered in Corinth, MS, established in 1999 (FDIC certificate 34938), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $167.9M, up 6.1% from Q2 2025, the 51st largest of 57 banks headquartered in Mississippi. It reports no CET1 ratio; its Tier 1 leverage ratio was 12.46% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 34938
- Headquarters
- Corinth, MS
- Established
- 1999
- Total assets, Q2 2026
- $167.9M
- Assets vs Q2 2025
- +6.1%
- Tier 1 leverage ratio, Q2 2026
- 12.46%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 084206082
- Latest call report
- Q2 2026, FFIEC 051 · Commerce Bank call report
- Holding company
- COMMERCE HOLDING CORPORATION
- Asset rank in state
- 51st of 57 in Mississippi
Problem loans are rising at Commerce Bank. Its balance sheet stood at $168 million at June 30, 2026, up 6.1% from a year earlier; it is based in Corinth, Mississippi. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.72% of loans from 1.31% a year earlier. It earns about $2.42 a year on every $100 of assets, about double the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also keeps 5.49 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 banks its size (median 3.95 cents).
The commercial and industrial book ($27 million) is worsening: 4.14% of it is past due or on nonaccrual, up from 2.16% a year earlier. Unrealized losses on its securities total $3.6 million, equal to 17% of Tier 1 capital, against 21% a year earlier. Credit is the area to watch: it carries problem assets equal to 10.9% of the capital and reserves that would absorb them, 4.1 times the median of 2.6% for banks its size.
As of June 30, 2026, Commerce Bank reported a return on assets of 2.42%, a nonperforming-loan ratio of 1.72% and a Texas ratio of 10.85%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Commerce Bank is the 51st largest of the 57 banks headquartered in Mississippi. Between Q1 2026 and Q2 2026, its total assets rose 2.0% to $167.9M, loans rose 4.3% and deposits rose 2.7%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 47.2% of total loans, ahead of commercial and industrial loans at 23.4%. Its one office in the FDIC Summary of Deposits is in Corinth, MS. Judged on its Q2 2026 call report, Commerce Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 700 Taylor St, Corinth, MS 38834
- County
- Alcorn
- Metro Area
- Corinth, MS
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 19, 1999
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 29
- Domestic deposits
- $149.0M
- Allowance for credit losses
- $1.7M
- Net charge-offs (YTD)
- $127K
- Average total assets
- $166.5M
- Average total loans
- $113.9M
- Average interest-bearing deposits
- $82.6M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 19, 1999
- FDIC Cert
- 34938
- Fed RSSD
- 2746245
- Website
- www.commerce-bank.com →
- Parent Holding Company
- COMMERCE HOLDING CORPORATION (RSSD 3135435)
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, Commerce Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Commerce Bank's total assets ranged from $154.5M (Q4 2023) to $167.9M (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
$167.9M total assets against $158.3M; $150.8M total liabilities against $142.5M.
$115.6M net loans and leases against $106.8M; $149.0M total deposits against $138.7M.
$31.0M securities against $35.3M; $9.7M cash and balances due against $4.8M.
$2.6M total interest income against $2.4M; $382K total interest expense against $337K.
$2.2M net interest income against $2.1M.
$312K total noninterest income against $305K; $1.4M total noninterest expense against $1.3M.
$75K provision for credit losses against $75K.
$1.0M net income against $1.1M.
2.42% return on assets against 2.66%; 5.49% net interest margin against 5.51%.
12.46% tier 1 leverage ratio against 12.54%.
Inside the full Commerce Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeCommerce Bank rankings
Its closest position to the top of a national ranking is 195 of 3,611, for ROA; its furthest is 3,168 of 4,196, for total assets.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.81% (Q3 2024) to 2.66% (Q2 2025) and its net interest margin ran from 5.07% (Q3 2024) to 5.51% (Q2 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.46% | 2.42% | 1.72% | 10.85% | 5.49% |
| Q1 2026 | 12.65% | 2.54% | 1.66% | 10.31% | 5.29% |
| Q4 2025 | 12.03% | 2.09% | 1.14% | 7.27% | 5.47% |
| Q3 2025 | 12.77% | 2.39% | 0.97% | 5.69% | 5.41% |
| Q2 2025 | 12.54% | 2.66% | 1.31% | 8.16% | 5.51% |
| Q1 2025 | 12.41% | 2.41% | 0.75% | 4.73% | 5.31% |
| Q4 2024 | 11.67% | 2.16% | 1.05% | 7.24% | 5.21% |
| Q3 2024 | 11.91% | 1.81% | 0.59% | 3.74% | 5.07% |
Swipe the table sideways to see every column.
Branch Network
View the branch → 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 |
|---|---|---|---|
| Commerce Bank (main office) | Corinth , MS | 38834 | $149.0M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in MS, rank 63 of 80 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, 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 Commerce Bank
What are Commerce Bank's total assets?
As of the Q2 2026 filing, Commerce Bank reported total assets of $167.9 million in its FFIEC call report.
Where is Commerce Bank headquartered?
It is headquartered in Corinth, MS, United States.
When was Commerce Bank founded?
It was established in 1999, per the FDIC institution directory.
Is Commerce Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #34938). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Commerce Bank?
Commerce Bank's primary federal regulator is the Federal Reserve.
How many branches does Commerce Bank operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Commerce Bank's Texas Ratio?
Its Texas Ratio is 10.85% 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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