The Commercial Bank: how it compares with its peers
Against 31 MS banks with half to twice its assets, The Commercial Bank's strongest measure in Q2 2026 is efficiency ratio (64.13% vs. a 65.42% peer median). Its weakest relative measure is return on assets (0.91% vs. 1.15%).
| Measure | The Commercial Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.91% | 1.15% | Bottom third Ahead of 23% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.81% | 4.04% | Middle third Ahead of 35% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 64.13% | 65.42% | Middle third Ahead of 55% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $4.7M | $5.3M | Bottom third Ahead of 29% of peers |
| Loans to deposits Net loans and leases over total deposits. | 62.97% | 71.79% | Context |
What it means for lending operations
Its efficiency ratio of 64.13% is better than the 65.42% 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
- The Bank of Forest Forest, MS · $296M
- Bank of Franklin Meadville, MS · $302M
- FNB Picayune Bank Picayune, MS · $282M
- Unity Bank of Mississippi Holly Springs, MS · $282M
- Grand Bank for Savings, FSB Hattiesburg, MS · $280M
- First Southern Bank Columbia, MS · $317M
Questions about The Commercial Bank
How big is The Commercial Bank?
The Commercial Bank, established in 1914, is headquartered in De Kalb, MS. It reported $295M in total assets in its Q2 2026 FDIC call report and operates 5 offices.
What is The Commercial Bank's return on assets?
0.91% annualized in Q2 2026, against a 1.15% median for 31 MS banks with half to twice its assets, ahead of 23% of them.
What is The Commercial Bank's efficiency ratio?
64.13% in Q2 2026: it spent about 64 cents in noninterest expense for each dollar of revenue. The peer median is 65.42%, and lower is better.
Is The Commercial Bank growing its loans?
Net loans grew 22.3% over the year to Q2 2026, while deposits grew 7.8%.
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.