FDIC Cert #9356 · De Kalb, Mississippi · Est. 1914

The Commercial Bank - FDIC Bank Health Profile

A community-scale look at The Commercial Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$278M
Total assets
B
Health grade · Good
0.77%
Return on assets
10.7%
Tier 1 capital

Data updated July 2026

The verdict

The Commercial Bank earns a PlainBankData health grade of B (70/100), with well-capitalized at 10.69% Tier 1, 0.77% ROA, 69% efficiency ratio.

#2,602
largest of 4,313 FDIC banks by assets
40th
percentile by asset size, nationally
10.69%
Tier 1 ratio - above the 10% well-capitalized line
28th
percentile for profitability (ROA), nationally

PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.

FDIC Call Report plate

Cert 9356 · MS B · 70/100

GRADE-B · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-PAR · SIZE-MID · BOOK-FULL

  • GRADE-B B (70/100)
  • MID-PACK #3034/4307
  • PHOTO-FINISH The Mt. Victory Stat… · OH
  • TIER1-WELL 10.7% Tier 1
  • TEXAS-CLEAN 1.2% Texas
  • ROA-PAR 0.77% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Mississippi: The Mt. Victory State Bank, OH (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around The Commercial Bank

Lowest and highest poles plus nearest scored peers outside Mississippi, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100FirstBank · TN · near70/100Sentry Bank · MN · near70/100SULLIVAN BANK · MO · near70/100The Commercial Bank · MS · t…70/100The Mt. Victory Stat… · OH ·…70/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around The Commercial Bank · July 2026

What The Commercial Bank's Call Report plate shows

The Commercial Bank (FDIC Cert #9356) carries a PlainBankData health grade of B at 70/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #3,034 of 4,307. Tier 1 capital prints at 10.69%, clearing the 10% well-capitalized line. The Texas Ratio is 1.17%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.77%. Balance-sheet scale is $278M, 2,602nd of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is The Mt. Victory State Bank (OH), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around The Commercial Bank

3 FAILURE resolutions in Mississippi since 2000 (2 since 2008)

The Commercial Bank's home state sits in the middle band of post-2000 FAILURE counts (3; 2 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; The Commercial Bank remains an active FDIC-insured reporter.

  • HERITAGE BANKING GROUP CARTHAGE, MS 2011 → TRUSTMARK NATIONAL BANK
  • FIRST NATIONAL BANK ROSEDALE, MS 2010 → THE JEFFERSON BANK
  • BANK OF FALKNER FALKNER, MS 2000 → CITIZENS BANK & SAVINGS COM

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Mississippi banks.

How The Commercial Bank's 70/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10070/100
The Commercial Bank's composite health score
Tier 1 Capital Ratio (10.69%) 28/40
Return on Assets (ROA) (0.77%) 14/25
Texas Ratio (1.17%) 20/20
Efficiency Ratio (68.82%) 8/15

70 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$278M

Total balance-sheet footings

Total Deposits

$252M

Customer-funded liabilities

Net Loans

$150M

Outstanding loan book

Net Income

$2M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 2% 4% 6% 8% 10% 12% 14% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 9.29% 10.69% 12.09%
Basel III capital ratios - The Commercial Bank

Where The Commercial Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. The Commercial Bank's score of 70/100 falls in the highlighted band.

The Commercial Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

70 30th percentile higher than 30% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). This entry sits in this band. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. The Commercial Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

The Commercial Bank's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). The Commercial Bank's $278M falls in the highlighted band.

Safety ratios for The Commercial Bank

Tier 1 capital ratio
Well-capitalized 10%

10.69% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
10.69%
Texas Ratio
1.17%
Equity Capital
$17M

What these ratios mean →

Profitability metrics: The Commercial Bank

Return on Assets (ROA)
28th percentile nationally
0.77%
Return on Equity (ROE)
13.80%
Efficiency Ratio
68.82%

What these mean →

Income & expense at The Commercial Bank

$14M
Interest Income
$812K
Non-Interest Income
$7M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. The Commercial Bank reports a Texas Ratio of 1.17% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

1.17% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View The Commercial Bank on FDIC BankFind →

Top banks in Mississippi by total assets

Largest banks headquartered in Mississippi
  1. 1
    Hancock Whitney Bank $35.5B

    Gulfport, MS · Grade A

  2. 2
    Renasant Bank $26.7B

    Tupelo, MS · Grade B

  3. 3
    Trustmark Bank $18.9B

    Jackson, MS · Grade B

  4. 4
    BankPlus $8.1B

    Belzoni, MS · Grade B

  5. 5
    Community Bank of Mississippi $5.0B

    Flowood, MS · Grade B

Top 5 banks in Mississippi ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($278M here), outside Mississippi so the neighborhood is not state containment.

The First National Bank and Trust Com… $278M · OK Commercial Bank $278M · MO Century Bank of the Ozarks $278M · MO The Farmers and Merchants National Ba… $278M · IL

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) The Commercial Bank (FDIC Cert #9356) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

The Commercial Bank Call Report profile · FDIC Failed Bank List · Mississippi FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Mississippi

All Mississippi banks →
BankAssetsGradeROA
Hancock Whitney BankGulfport $35.5B A 1.41%
Renasant BankTupelo $26.7B B 0.89%
Trustmark BankJackson $18.9B B 1.26%
BankPlusBelzoni $8.1B B 1.14%
Community Bank of MississippiFlowood $5.0B B 0.89%
BankFirst Financial ServicesColumbus $3.3B B 1.04%
Guaranty Bank and Trust CompanyBelzoni $2.9B B 1.10%
Planters Bank & Trust CompanyIndianola $2.1B A 0.84%