TellerScore

Headquartered in Greenwood, Mississippi, Bank of Commerce is a state-chartered bank with $1.1B in total assets and $996.2M in deposits as of Q2 2026. It operates 16 offices. Its charter dates back to 1904.

Based on its Q2 2026 filing, Bank of Commerce scores 72/100, which we describe as strong. That is higher than 66% of 897 banks with $1 billion – $10 billion. Among 57 banks headquartered in Mississippi, it ranks 22nd. Its strongest component is problem-loan coverage (91/100; 4.7%), and its lowest is funding & liquidity (59/100; 65% loans-to-deposits, 47% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion79/100
Tier 1 leverage ratio: 12.85%
Loan quality71/100
Noncurrent loans ÷ total loans: 0.88%
Earnings65/100
Return on assets (annualized): 1.13%
Funding & liquidity59/100
Loans ÷ deposits and uninsured-deposit share: 65.2% · 47.2% uninsured
Problem-loan coverage91/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 4.66%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 7 points (79 → 72), mostly because the loan quality component weakened by 11 points.

TellerScore
727679Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202477
Q3 202479
Q4 202473
Q1 202579
Q2 202579
Q3 202579
Q4 202575
Q1 202673
Q2 202672
Tier 1 leverage ratio
5.00%9.30%13.59%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTier 1 leverage ratio
Q2 202412.95%
Q3 202413.46%
Q4 202413.59%
Q1 202513.13%
Q2 202513.49%
Q3 202513.48%
Q4 202512.83%
Q1 202612.61%
Q2 202612.85%
Noncurrent loans
0.35%0.66%0.97%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNoncurrent loans
Q2 20240.35%
Q3 20240.44%
Q4 20240.97%
Q1 20250.75%
Q2 20250.53%
Q3 20250.39%
Q4 20250.50%
Q1 20260.80%
Q2 20260.88%
Return on assets
0.94%1.28%1.62%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20241.17%
Q3 20241.11%
Q4 20240.94%
Q1 20251.62%
Q2 20251.28%
Q3 20251.18%
Q4 20250.99%
Q1 20261.16%
Q2 20261.13%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202672$1.1B12.85%0.88%1.13%65.2%
Q1 202673$1.2B12.61%0.80%1.16%60.6%
Q4 202575$1.1B12.83%0.50%0.99%60.3%
Q3 202579$973.5M13.48%0.39%1.18%62.9%
Q2 202579$972.2M13.49%0.53%1.28%61.4%
Q1 202579$983.5M13.13%0.75%1.62%61.0%
Q4 202473$961.8M13.59%0.97%0.94%59.7%
Q3 202479$933.2M13.46%0.44%1.11%63.2%
Q2 202477$929.1M12.95%0.35%1.17%63.8%

897 peers · $1 billion – $10 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio12.85%
84th
Total risk-based capital0.00%
13th
Problem loans0.88%
31st
Net charge-offs0.14%
24th
Return on assets1.13%
40th
Net interest margin3.27%
25th
Efficiency ratio59.6%
48th
Loans to deposits65.2%
89th
Uninsured deposits47.2%
13th
Loan-loss reserves0.78%
14th
Texas ratio4.7%
41st

Similar-size banks in Mississippi

InstitutionScoreAssetsCapitalProblem loansCompare
PriorityOne BankBank Magee, MS70 out of 100, Strong$1.2B11.9%1.58%vs
Story Bank DBA Story Financial PartnersBank Jackson, MS66 out of 100, Moderate$1.0B10.8%0.37%vs
TownBridge BankBank Pascagoula, MS61 out of 100, Moderate$1.3B8.8%1.94%vs
The Citizens Bank of Philadelphia, MississippiBank Philadelphia, MS66 out of 100, Moderate$1.6B9.1%0.47%vs
The Citizens National Bank of MeridianBank Meridian, MS70 out of 100, Strong$1.9B11.3%0.87%vs
Planters Bank & Trust CompanyBank Indianola, MS71 out of 100, Strong$2.7B11.2%0.61%vs

Deposit insurance

Is my money safe at Bank of Commerce?

Yes. Bank of Commerce is an FDIC-insured institution (FDIC certificate #9359). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 47.2% of deposits ($470.3M) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 12.85%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

16 locations

Branches

Bank of Commerce lists 16 offices in 13 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Bank of Commerce reported 487 home-loan applications under HMDA (LEI 529900YKD9FOL6BFSG98): 382 originated ($51,190,000 total), 59 denied, and 35 withdrawn or closed by the applicant. Its denial rate on decided applications was 13.1%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Bank of Commerce
Type
State-chartered bank
FDIC certificate #
9359
RSSD ID
99442
Primary regulator
FDIC
Holding company
Commerce Bcorp Inc
Established
August 4, 1904
Headquarters
310 Howard St, Greenwood, MS 38930
Employees
134

Quick answers

Bank of Commerce: common questions

Is Bank of Commerce FDIC insured?

Yes. Bank of Commerce is an FDIC-insured institution (FDIC certificate #9359). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Bank of Commerce's TellerScore?

72 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Bank of Commerce ever failed?

There is no failure record for FDIC certificate #9359 in the FDIC failed bank list.

How many branches does Bank of Commerce have?

16 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Greenwood

InstitutionScoreAssetsCapitalProblem loansCompare
Mutual Federal Credit UnionCredit union Vicksburg, MS84 out of 100, Strong$528.5M14.0%1.08%vs
The Cleveland State BankBank Cleveland, MS76 out of 100, Strong$340.2M11.2%0.26%vs
BankPlusBank Belzoni, MS71 out of 100, Strong$8.4B10.8%0.64%vs
Planters Bank & Trust CompanyBank Indianola, MS71 out of 100, Strong$2.7B11.2%0.61%vs
Regions BankBank Birmingham, AL64 out of 100, Moderate$159.8B9.5%0.93%vs
Renasant BankBank Tupelo, MS64 out of 100, Moderate$27.0B10.7%0.96%vs