Commerce Bank is a state-chartered bank (fed member) headquartered in Corinth, Mississippi, in business for about 27 years. At the end of Q2 2026 it reported $167.9M in total assets and $149.0M in deposits, with 1 office.
Commerce Bank has a TellerScore of 74 out of 100 (strong) based on Q2 2026 data — higher than 57% of its 2,650 banks with $100 million – $1 billion. Among 57 banks headquartered in Mississippi, it ranks 20th. Earnings contributes the most (100/100, 2.48%); loan quality contributes the least (43/100, 1.72%).
TellerScore · Q2 2026
Scorecard
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 3 points (77 → 74), mostly because the loan quality component weakened by 13 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 77 |
| Q3 2024 | 82 |
| Q4 2024 | 78 |
| Q1 2025 | 83 |
| Q2 2025 | 77 |
| Q3 2025 | 81 |
| Q4 2025 | 77 |
| Q1 2026 | 75 |
| Q2 2026 | 74 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 11.69% |
| Q3 2024 | 11.91% |
| Q4 2024 | 11.67% |
| Q1 2025 | 12.41% |
| Q2 2025 | 12.54% |
| Q3 2025 | 12.77% |
| Q4 2025 | 12.03% |
| Q1 2026 | 12.65% |
| Q2 2026 | 12.46% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 1.14% |
| Q3 2024 | 0.59% |
| Q4 2024 | 1.05% |
| Q1 2025 | 0.75% |
| Q2 2025 | 1.31% |
| Q3 2025 | 0.97% |
| Q4 2025 | 1.14% |
| Q1 2026 | 1.66% |
| Q2 2026 | 1.72% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.94% |
| Q3 2024 | 1.89% |
| Q4 2024 | 1.97% |
| Q1 2025 | 2.40% |
| Q2 2025 | 2.54% |
| Q3 2025 | 2.48% |
| Q4 2025 | 2.39% |
| Q1 2026 | 2.53% |
| Q2 2026 | 2.48% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 74 | $167.9M | 12.46% | 1.72% | 2.48% | 77.6% |
| Q1 2026 | 75 | $164.6M | 12.65% | 1.66% | 2.53% | 76.3% |
| Q4 2025 | 77 | $158.6M | 12.03% | 1.14% | 2.39% | 79.7% |
| Q3 2025 | 81 | $159.9M | 12.77% | 0.97% | 2.48% | 78.8% |
| Q2 2025 | 77 | $158.3M | 12.54% | 1.31% | 2.54% | 77.0% |
| Q1 2025 | 83 | $159.5M | 12.41% | 0.75% | 2.40% | 72.5% |
| Q4 2024 | 78 | $155.3M | 11.67% | 1.05% | 1.97% | 74.0% |
| Q3 2024 | 82 | $157.4M | 11.91% | 0.59% | 1.89% | 74.6% |
| Q2 2024 | 77 | $158.8M | 11.69% | 1.14% | 1.94% | 72.4% |
2,650 peers · $100 million – $1 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).
Similar-size banks in Mississippi
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Bank of AnguillaBank Anguilla, MS | 65 out of 100, Moderate | $192.2M | 14.7% | 2.66% | vs |
| Bank of WinonaBank Winona, MS | 75 out of 100, Strong | $142.7M | 13.1% | 1.30% | vs |
| Merchants and Planters BankBank Raymond, MS | 91 out of 100, Very strong | $199.0M | 18.2% | 0.00% | vs |
| The Jefferson BankBank Greenville, MS | 90 out of 100, Very strong | $210.8M | 16.6% | 0.38% | vs |
| Covington County BankBank Collins, MS | 77 out of 100, Strong | $109.2M | 13.8% | 0.99% | vs |
| Bank of WigginsBank Wiggins, MS | 65 out of 100, Moderate | $228.1M | 12.9% | 1.75% | vs |
Deposit insurance
Is my money safe at Commerce Bank?
Yes. Commerce Bank is an FDIC-insured institution (FDIC certificate #34938). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 13.2% of deposits ($19.7M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 12.46%, 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%).
1 location
Branches
Commerce Bank lists 1 office in 1 city. Most locations:
- Corinth, MS (1)
Identity & history
Profile
- Legal name
- Commerce Bank
- Former names
- Commerce National Bank
- Type
- State-chartered bank (Fed member)
- FDIC certificate #
- 34938
- RSSD ID
- 2746245
- Primary regulator
- FED
- Holding company
- Commerce Holding Corp
- Established
- January 19, 1999
- Headquarters
- 700 Taylor St, Corinth, MS 38834
- Website
- www.commerce-bank.com
- Employees
- 29
Quick answers
Commerce Bank: common questions
Is Commerce Bank FDIC insured?
Yes. Commerce Bank is an FDIC-insured institution (FDIC certificate #34938). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Commerce Bank's TellerScore?
74 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 Commerce Bank ever failed?
There is no failure record for FDIC certificate #34938 in the FDIC failed bank list.
How many branches does Commerce Bank have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Corinth
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Tennessee River Federal Credit UnionCredit union Counce, TN | 89 out of 100, Very strong | $16.3M | 33.2% | 0.25% | vs |
| Central BankBank Savannah, TN | 78 out of 100, Strong | $160.2M | 12.0% | 0.00% | vs |
| Farmers and Merchants BankBank Baldwyn, MS | 77 out of 100, Strong | $565.8M | 14.2% | 1.69% | vs |
| Fort Financial Federal Credit UnionCredit union Fort Wayne, IN | 76 out of 100, Strong | $397.3M | 11.8% | 0.50% | vs |
| The Hardin County BankBank Savannah, TN | 76 out of 100, Strong | $676.7M | 10.8% | 0.16% | vs |
| The Peoples BankBank Ripley, MS | 72 out of 100, Strong | $581.8M | 10.2% | 0.34% | vs |