Headquartered in De Kalb, Mississippi, The Commercial Bank is a state-chartered bank with $295.5M in total assets and $267.0M in deposits as of Q2 2026. It operates 5 offices. Its charter dates back to 1914.
The Commercial Bank has a TellerScore of 72 out of 100 (strong) based on Q2 2026 data — higher than 50% of its 2,650 banks with $100 million – $1 billion. Among 57 banks headquartered in Mississippi, it ranks 25th. Problem-loan coverage contributes the most (95/100, 2.4%); earnings contributes the least (56/100, 0.91%).
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 rose 5 points (67 → 72), mostly because the loan quality component improved by 12 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 72 |
| Q3 2024 | 73 |
| Q4 2024 | 74 |
| Q1 2025 | 67 |
| Q2 2025 | 67 |
| Q3 2025 | 72 |
| Q4 2025 | 72 |
| Q1 2026 | 72 |
| Q2 2026 | 72 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 11.06% |
| Q3 2024 | 11.28% |
| Q4 2024 | 11.02% |
| Q1 2025 | 10.59% |
| Q2 2025 | 10.66% |
| Q3 2025 | 10.70% |
| Q4 2025 | 10.69% |
| Q1 2026 | 10.60% |
| Q2 2026 | 10.60% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.35% |
| Q3 2024 | 0.41% |
| Q4 2024 | 0.25% |
| Q1 2025 | 0.48% |
| Q2 2025 | 0.61% |
| Q3 2025 | 0.18% |
| Q4 2025 | 0.15% |
| Q1 2026 | 0.14% |
| Q2 2026 | 0.25% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.89% |
| Q3 2024 | 0.89% |
| Q4 2024 | 0.91% |
| Q1 2025 | 0.60% |
| Q2 2025 | 0.66% |
| Q3 2025 | 0.71% |
| Q4 2025 | 0.77% |
| Q1 2026 | 0.88% |
| Q2 2026 | 0.91% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 72 | $295.5M | 10.60% | 0.25% | 0.91% | 63.0% |
| Q1 2026 | 72 | $286.5M | 10.60% | 0.14% | 0.88% | 61.6% |
| Q4 2025 | 72 | $278.1M | 10.69% | 0.15% | 0.77% | 59.4% |
| Q3 2025 | 72 | $271.8M | 10.70% | 0.18% | 0.71% | 59.5% |
| Q2 2025 | 67 | $263.1M | 10.66% | 0.61% | 0.66% | 55.5% |
| Q1 2025 | 67 | $269.6M | 10.59% | 0.48% | 0.60% | 50.9% |
| Q4 2024 | 74 | $251.8M | 11.02% | 0.25% | 0.91% | 54.6% |
| Q3 2024 | 73 | $245.7M | 11.28% | 0.41% | 0.89% | 48.3% |
| Q2 2024 | 72 | $247.6M | 11.06% | 0.35% | 0.89% | 44.7% |
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 |
|---|---|---|---|---|---|
| The Bank of ForestBank Forest, MS | 68 out of 100, Moderate | $296.3M | 10.9% | 1.30% | vs |
| Bank of FranklinBank Meadville, MS | 70 out of 100, Strong | $302.3M | 9.9% | 0.27% | vs |
| FNB Picayune BankBank Picayune, MS | 86 out of 100, Very strong | $282.3M | 15.4% | 1.26% | vs |
| Unity Bank of MississippiBank Holly Springs, MS | 61 out of 100, Moderate | $281.8M | 11.0% | 0.80% | vs |
| Grand Bank for Savings, FSBBank Hattiesburg, MS | 64 out of 100, Moderate | $280.4M | 11.0% | 0.78% | vs |
| First Southern BankBank Columbia, MS | 83 out of 100, Strong | $317.3M | 10.6% | 0.00% | vs |
Deposit insurance
Is my money safe at The Commercial Bank?
Yes. The Commercial Bank is an FDIC-insured institution (FDIC certificate #9356). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 35.4% of deposits ($94.5M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 10.60%, 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%).
5 locations
Branches
The Commercial Bank lists 5 offices in 4 cities. Most locations:
- Meridian, MS (2)
- Collinsville, MS (1)
- De Kalb, MS (1)
- Philadelphia, MS (1)
Identity & history
Profile
- Legal name
- The Commercial Bank
- Former names
- Commercial Bank of DeKalb
- Type
- State-chartered bank
- FDIC certificate #
- 9356
- RSSD ID
- 700430
- Primary regulator
- FDIC
- Holding company
- Commercial Capital Corp
- Established
- December 1, 1914
- Headquarters
- 175 Hopper Ave, De Kalb, MS 39328
- Website
- www.commercialbankms.com
- Employees
- 63
Quick answers
The Commercial Bank: common questions
Is The Commercial Bank FDIC insured?
Yes. The Commercial Bank is an FDIC-insured institution (FDIC certificate #9356). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The Commercial Bank'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 The Commercial Bank ever failed?
There is no failure record for FDIC certificate #9356 in the FDIC failed bank list.
How many branches does The Commercial Bank have?
5 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near De Kalb
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Investar Bank, National AssociationBank Baton Rouge, LA | 67 out of 100, Moderate | $3.9B | 10.7% | 0.63% | vs |
| The Citizens Bank of Philadelphia, MississippiBank Philadelphia, MS | 66 out of 100, Moderate | $1.6B | 9.1% | 0.47% | vs |
| Navy Federal Credit UnionCredit union Vienna, VA | 66 out of 100, Moderate | $204.4B | 11.7% | 1.58% | vs |
| Regions BankBank Birmingham, AL | 64 out of 100, Moderate | $159.8B | 9.5% | 0.93% | vs |