Side-by-side · Q2 2026 data
Bank of Commerce vs The Citizens Bank of Philadelphia, Mississippi
Bank
The Citizens Bank of Philadelphia, Mississippi
Philadelphia, Mississippi · $1 billion – $10 billion
Metric by metric
| Measure | Bank of Commerce | The Citizens Bank of Philadelphia, Mississippi |
|---|---|---|
| TellerScore | 72 (stronger) | 66 |
| Capital cushion | 79 (stronger) | 41 |
| Loan quality | 71 | 84 (stronger) |
| Earnings | 65 (stronger) | 52 |
| Funding & liquidity | 59 | 92 (stronger) |
| Problem-loan coverage | 91 (stronger) | 88 |
| Peer percentile | 66th | 40th |
| Total assets | $1.1B | $1.6B |
| Deposits / shares | $996.2M | $1.3B |
| Capital ratio | 12.85% (stronger) | 9.11% |
| Problem loans | 0.88% | 0.47% (stronger) |
| Net charge-offs | 0.14% (stronger) | 0.29% |
| Return on assets | 1.13% (stronger) | 0.80% |
| Loans ÷ deposits | 65.2% (stronger) | 67.1% |
| Uninsured deposits | 47.2% | 16.6% (stronger) |
| Offices | 16 | 26 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 13.1% | — |
Bank of Commerce has the higher TellerScore (72 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Bank of Commerce leads on 5 and The Citizens Bank of Philadelphia, Mississippi on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Starkville, MS
- Kosciusko, MS
- Oxford, MS