Bank of Commerce: how it compares with its peers
Against 12 MS banks with half to twice its assets, Bank of Commerce's strongest measure in Q2 2026 is assets per employee ($8.5M vs. a $5.8M peer median). Its weakest relative measure is net interest margin (3.27% vs. 3.56%).
| Measure | Bank of Commerce | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.13% | 1.15% | Middle third Ahead of 50% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.27% | 3.56% | Bottom third Ahead of 33% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 59.56% | 64.98% | Top third Ahead of 83% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $8.5M | $5.8M | Top third Ahead of 92% of peers |
| Loans to deposits Net loans and leases over total deposits. | 65.22% | 69.33% | Context |
What it means for lending operations
Its efficiency ratio of 59.56% is better than the 64.98% 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
- PriorityOne Bank Magee, MS · $1.18B
- Story Bank DBA Story Financial Partners Jackson, MS · $1.01B
- First Security Bank Batesville, MS · $977M
- First State Bank Waynesboro, MS · $952M
- FNB Oxford Bank Oxford, MS · $940M
- TownBridge Bank Pascagoula, MS · $1.35B
Questions about Bank of Commerce
How big is Bank of Commerce?
Bank of Commerce, established in 1904, is headquartered in Greenwood, MS. It reported $1.13B in total assets in its Q2 2026 FDIC call report and operates 16 offices.
What is Bank of Commerce's return on assets?
1.13% annualized in Q2 2026, against a 1.15% median for 12 MS banks with half to twice its assets, ahead of 50% of them.
What is Bank of Commerce's efficiency ratio?
59.56% in Q2 2026: it spent about 60 cents in noninterest expense for each dollar of revenue. The peer median is 64.98%, and lower is better.
Is Bank of Commerce growing its loans?
Net loans grew 23.3% over the year to Q2 2026, while deposits grew 16.1%.
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.