The Commercial Bank (De Kalb, MS)
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Data as of · sourced from FFIEC call reports. How we update
The Commercial Bank is an FDIC-insured commercial bank headquartered in De Kalb, MS, established in 1914 (FDIC certificate 9356), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $295.5M, up 12.3% from Q2 2025, the 42nd largest of 57 banks headquartered in Mississippi. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.60% 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
- 9356
- Headquarters
- De Kalb, MS
- Established
- 1914
- Total assets, Q2 2026
- $295.5M
- Assets vs Q2 2025
- +12.3%
- Tier 1 leverage ratio, Q2 2026
- 10.60%
- Domestic offices
- 5 FDIC institution directory, current count
- Routing number
- 065302963
- Holding company
- COMMERCIAL CAPITAL CORPORATION
- Asset rank in state
- 42nd of 57 in Mississippi
The Commercial Bank, based in De Kalb, Mississippi, reported $295 million in assets at June 30, 2026, up 12.3% from a year earlier. It grew its loan book 22.1% over the year, 4.0 times the median of 5.5% for the 2,660 banks with $100 million to $1 billion in assets.
Paper losses on its bond portfolio are shrinking: unrealized losses of $18 million equal 56% of Tier 1 capital, down from 71% a year earlier. Loans are outrunning deposits: over the year loans rose 22.1% and deposits rose 7.8%. One more trend to watch: the commercial and industrial book ($57 million) is worsening: 2.96% of it is past due or on nonaccrual, up from 0.26% a year earlier.
As of June 30, 2026, The Commercial Bank reported a return on assets of 0.90%, a nonperforming-loan ratio of 0.25% and a Texas ratio of 2.35%. The figures come from its call report filed with the FFIEC.
The Commercial Bank ranks as the 42nd largest of the 57 banks based in Mississippi, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 3.1% to $295.5M, loans rose 2.4% and deposits rose 0.1%. The largest part of its loan book on June 30, 2026 was commercial and industrial loans, at 33.2% of total loans, ahead of non-owner-occupied commercial real estate loans at 20.3%. Its 5 offices in the FDIC Summary of Deposits are in 4 cities in MS; its De Kalb office books 52% of its branch deposits. On its Q2 2026 call report, The Commercial Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 175 Hopper Ave, De Kalb, MS 39328
- County
- Kemper
- 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 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- December 1, 1914
- Former names
- The Commercial Bank (2002)
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 63
- Domestic deposits
- $267.0M
- Allowance for credit losses
- $2.7M
- Net charge-offs (YTD)
- $64K
- Average total assets
- $304.7M
- Average total loans
- $168.4M
- Average interest-bearing deposits
- $267.7M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 9356
- Fed RSSD
- 700430
- SEC CIK
- 1487509 → filed by COMMERCIAL CAPITAL CORPORATION
- Website
- www.commercialbankms.com →
- Parent Holding Company
- COMMERCIAL CAPITAL CORPORATION (RSSD 1086739)
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, The Commercial Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
The Commercial Bank's total assets moved between a low of $228.5M (Q3 2023) and a high of $295.5M (Q2 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
$295.5M total assets against $263.1M; $276.7M total liabilities against $249.3M.
$168.1M net loans and leases against $137.5M; $267.0M total deposits against $247.6M.
$101.3M securities against $100.2M; $10.7M cash and balances due against $9.6M.
$3.9M total interest income against $3.5M; $1.4M total interest expense against $1.3M.
$2.6M net interest income against $2.2M.
$118K total noninterest income against $200K; $1.7M total noninterest expense against $1.7M.
$110K provision for credit losses against $125K.
$686K net income against $471K.
0.90% return on assets against 0.67%; 3.55% net interest margin against 3.31%.
10.60% tier 1 leverage ratio against 10.66%.
Inside the full The Commercial Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe Commercial Bank rankings
Its closest position to the top of a national ranking is 2,087 of 3,606, for efficiency ratio; its furthest is 2,713 of 3,611, for ROA.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.57% (Q1 2025) to 0.91% (Q4 2024) and its net interest margin ran from 3.10% (Q1 2025) to 3.55% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.60% | 0.90% | 0.25% | 2.35% | 3.55% |
| Q1 2026 | 10.60% | 0.83% | 0.14% | 1.57% | 3.49% |
| Q4 2025 | 10.69% | 0.91% | 0.15% | 1.62% | 3.47% |
| Q3 2025 | 10.70% | 0.76% | 0.18% | 2.13% | 3.46% |
| Q2 2025 | 10.66% | 0.67% | 0.61% | 5.22% | 3.31% |
| Q1 2025 | 10.59% | 0.57% | 0.48% | 3.90% | 3.10% |
| Q4 2024 | 11.02% | 0.91% | 0.25% | 2.01% | 3.18% |
| Q3 2024 | 11.28% | 0.85% | 0.41% | 2.46% | 3.29% |
Swipe the table sideways to see every column.
Branch Network
View all 5 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 |
|---|---|---|---|
| The Commercial Bank | De Kalb , MS | 39328 | $138.8M |
| Medical Center Branch | Meridian , MS | 39301 | $50.1M |
| Philadelphia Branch | Philadelphia , MS | 39350 | $39.1M |
| Collinsville Branch | Collinsville , MS | 39325 | $34.0M |
| Meridian Branch | Meridian , MS | 39305 | $5.0M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.3% of deposits in MS, rank 49 of 80 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 2 loans, $1.1M approved, $531K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2024 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), 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 The Commercial Bank
What are The Commercial Bank's total assets?
As of the Q2 2026 filing, The Commercial Bank reported total assets of $295.5 million in its FFIEC call report.
Where is The Commercial Bank headquartered?
It is headquartered in De Kalb, MS, United States.
When was The Commercial Bank founded?
It was established in 1914, per the FDIC institution directory.
Is The Commercial Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #9356). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Commercial Bank?
The Commercial Bank's primary federal regulator is the FDIC.
How many branches does The Commercial Bank operate?
It operates 5 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Commercial Bank's Texas Ratio?
Its Texas Ratio is 2.35% 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.
What was The Commercial Bank previously called?
The charter now named The Commercial Bank has also operated as The Commercial Bank (2002), per FDIC structure-change records.
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