The Commercial Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The Commercial Bank of De Kalb, MS against its peer group of 2757 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.90% | 1.25% | -0.35% | 27th below |
| ROAE | 14.94% | 13.17% | +1.77% | 65th above |
| Net Interest Margin | 3.55% | 3.95% | -0.40% | 29th below |
| Efficiency Ratio | 62.46% | 61.50% | +0.96% | 46th below |
| PPNR / Avg Assets | 1.30% | — | — | 33rd below |
| Yield on Earning Assets | 5.41% | 5.67% | -0.26% | 40th below |
| Cost of Funds | 1.65% | 1.87% | -0.22% | 59th above |
| Net Interest Spread | 2.84% | — | — | 26th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.08% | 0.93% | -0.85% | 75th top |
| NPA / Total Assets | 0.08% | — | — | 73rd above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.04% | 0.15% | -0.11% | 27th below |
| ACL / Total Loans | 1.60% | — | — | 84th top |
| ACL / NPLs (Coverage) | 1956.43% | — | — | — |
| Texas Ratio | 2.35% | 6.06% | -3.71% | 54th above |
| Provision / NCO | 406.25% | — | — | 69th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.60% | 11.75% | -1.15% | 43rd below |
| Equity / Assets | 6.34% | 10.98% | -4.64% | 3rd bottom |
| TCE / Tangible Assets | 6.34% | — | — | 4th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 64.00% | 80.44% | -16.44% | 79th top |
| Core Deposit Ratio | 71.21% | 86.95% | -15.74% | 6th bottom |
| Wholesale Funding Ratio | 2.71% | — | — | 59th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 12.32% | — | — | 88th top |
| Loan Growth (Y/Y) | 22.09% | — | — | 94th top |
| Deposit Growth (Y/Y) | 7.82% | — | — | 75th top |
See The Commercial Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The Commercial Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full The Commercial Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the The Commercial Bank peer analysis.