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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Corinth, MS · FDIC certificate #34938
COMMERCE BANK is an FDIC-insured institution based in Corinth, MS (FDIC certificate #34938). In its Q3 2026 Call Report it reported total assets of $166M, total deposits of $148M and net loans of $117M. Its primary federal regulator is FED.
Plain-language readout
COMMERCE BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $168M in Q2 2026 and were lowest at $165M in Q1 2026.
Total deposits were highest at $149M in Q2 2026 and lowest at $145M in Q1 2026.
Over the whole period total assets rose 0.7%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $166M | $148M | $117M | 2.55% | 25.27% | 5.69% |
| Q2 2026 | $168M | $149M | $116M | 2.48% | 24.42% | 5.61% |
| Q1 2026 | $165M | $145M | $111M | 2.53% | 25.03% | 5.46% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $9.6M | $6.3M | +$3.3M | +51.9% |
| Federal funds sold | $127K | $4.3M | -$4.1M | -97.0% |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $31.0M | $31.9M | -$878K | -2.8% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $115.6M | $110.8M | +$4.8M | +4.3% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $5.5M | $5.5M | -$48K | -0.9% |
| Other real estate owned | $26K | $26K | $0K | 0.0% |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $0K | $0K | $0K | n/a |
| All other assets | $6.1M | $5.9M | +$255K | +4.3% |
| Total assets | $167.9M | $164.6M | +$3.3M | +2.0% |
| Liabilities | ||||
| Total deposits | $149.0M | $145.1M | +$3.9M | +2.7% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $425K | $1.7M | -$1.3M | -75.0% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $1.4M | $1.2M | +$143K | +11.8% |
| Total liabilities | $150.8M | $148.0M | +$2.8M | +1.9% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $409K | $409K | $0K | 0.0% |
| Surplus | $7.8M | $7.8M | $0K | 0.0% |
| Retained earnings | $12.6M | $12.2M | +$387K | +3.2% |
| Accumulated other comprehensive income | -$3.6M | -$3.7M | +$117K | +3.1% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $17.1M | $16.6M | +$504K | +3.0% |
| Credit and capital | ||||
| Gross nonperforming assets | $2.0M | $1.9M | +$153K | +8.1% |
| Adjusted nonperforming assets | $2.0M | $1.9M | +$153K | +8.1% |
| Tangible equity plus allowance | $18.9M | $18.4M | +$494K | +2.7% |
| Texas ratio (gross) | 10.85% | 10.31% | +0.54 pts | See points |
| Texas ratio (adjusted) | 10.85% | 10.31% | +0.54 pts | See points |
| Texas ratio (adjusted, with performing restructured) | Not reported | 11.91% | Not reported | See points |
| Tier 1 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Common equity Tier 1 to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 2 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Total risk-based capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 1 leverage (approximate) | 12.46% | 12.65% | -0.19 pts | See points |
| Construction and land loans to total capital | 17.07% | 14.34% | +2.73 pts | See points |
| Commercial real estate to total capital | 55.61% | 51.83% | +3.78 pts | See points |
| Dividend payout, year to date | 30.54% | 0.00% | +30.54 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -17.35% | -18.26% | +0.90 pts | See points |
| Liquidity | ||||
| Core deposits | $137.4M | $133.1M | +$4.3M | +3.2% |
| Non-core funding | $12.0M | $13.6M | -$1.6M | -12.0% |
| Loans to core deposits | 85.37% | 84.50% | +0.87 pts | See points |
| Loans to deposits | 78.74% | 77.54% | +1.20 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 2.34% | 2.25% | +0.10 pts | See points |
| Loans pledged, share of loans | 45.36% | 46.67% | -1.31 pts | See points |
| Volatile liabilities | $12.0M | $13.6M | -$1.6M | -12.0% |
| Earnings | ||||
| Earnings before provision, year to date | $2.2M | $1.1M | +$1.1M | +98.4% |
| Earnings before provision, single quarter | $1.1M | $1.1M | -$18K | -1.6% |
| Provision for credit losses, year to date | $150K | $75K | +$75K | +100.0% |
| Yield and cost | ||||
| Yield on loans and leases | 7.65% | 7.44% | +0.21 pts | See points |
| Yield on interest-bearing balances due from banks | 3.41% | 2.14% | +1.27 pts | See points |
| Total interest income to average assets | 6.15% | 5.97% | +0.18 pts | See points |
| Cost of interest-bearing transaction accounts | 0.07% | 0.07% | -0.01 pts | See points |
| Cost of savings and money market deposits | 0.07% | 0.06% | +0.01 pts | See points |
| Cost of time deposits | 3.37% | 3.29% | +0.08 pts | See points |
| Total interest expense to average assets | 0.92% | 0.96% | -0.04 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $166M | $148M | $117M | 2.55% | 25.27% | 5.69% |
| 2026-06-30 | $168M | $149M | $116M | 2.48% | 24.42% | 5.61% |
| 2026-03-31 | $165M | $145M | $111M | 2.53% | 25.03% | 5.46% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| MS | $138.7M | 0.17% | 63 | Continuing · -0.01 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.