Commerce Bank: how it compares with its peers
Against 18 MS banks with half to twice its assets, Commerce Bank's strongest measure in Q2 2026 is net interest margin (5.61% vs. a 4.15% peer median). Its weakest relative measure is assets per employee ($5.8M vs. $5.2M).
| Measure | Commerce Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 2.48% | 1.07% | Top third Ahead of 94% of peers |
| Net interest margin Annualized net interest income over earning assets. | 5.61% | 4.15% | Top third Ahead of 100% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 55.58% | 65.03% | Top third Ahead of 89% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.8M | $5.2M | Top third Ahead of 72% of peers |
| Loans to deposits Net loans and leases over total deposits. | 77.58% | 63.74% | Context |
What it means for lending operations
Its efficiency ratio of 55.58% is better than the 65.03% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Bank of Anguilla Anguilla, MS · $192M
- Bank of Winona Winona, MS · $143M
- Merchants and Planters Bank Raymond, MS · $199M
- The Jefferson Bank Greenville, MS · $211M
- Covington County Bank Collins, MS · $109M
- Bank of Wiggins Wiggins, MS · $228M
Questions about Commerce Bank
How big is Commerce Bank?
Commerce Bank, established in 1999, is headquartered in Corinth, MS. It reported $168M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is Commerce Bank's return on assets?
2.48% annualized in Q2 2026, against a 1.07% median for 18 MS banks with half to twice its assets, ahead of 94% of them.
What is Commerce Bank's efficiency ratio?
55.58% in Q2 2026: it spent about 56 cents in noninterest expense for each dollar of revenue. The peer median is 65.03%, and lower is better.
Is Commerce Bank growing its loans?
Net loans grew 8.2% over the year to Q2 2026, while deposits grew 7.4%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are MS banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Mississippi bank ranked.