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The Commercial Bank
De Kalb, MS · FDIC Certificate #9356 · Chartered 12/0
Total assets
$295.48M
Total deposits
$266.99M
Total equity
$18.75M
Net loans
$168.13M
Branches (offices)
5
Net income (YTD)
$1.31M
Rank: #2,494 of 4,213 U.S. banks by assets · #42 of 57 in Mississippi. Assets changed 12.3% and deposits 7.8% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.91% |
| Return on equity | 14.47% |
| Net interest margin (YTD) | 3.81% |
| Equity to assets | 6.34% |
| Tier 1 leverage ratio | 10.60% |
| Uninsured deposits (share of deposits) | 35.4% |
| Noncurrent loans (share of loans) | 0.25% |
| Net charge-offs (share of loans) | 0.08% |
| Loans to deposits | 63.0% |
| Real estate loans (share of loans) | 60.6% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $101.93M | 60.6% | |
| Commercial & industrial | $56.77M | 33.8% | |
| Consumer / individual | $10.93M | 6.5% | |
| Construction & development | $9.07M | 5.4% | |
| Agricultural | $661.00K | 0.4% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $231.56M | $218.21M | $1.39M | $11.43M |
| Jun 2023 | $235.04M | $223.94M | $1.28M | $9.91M |
| Jun 2024 | $247.60M | $233.15M | $1.10M | $12.85M |
| Jun 2025 | $263.08M | $247.62M | $863.00K | $13.80M |
| Jun 2026 | $295.48M | $266.99M | $1.31M | $18.75M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Mississippi | $266.99M | 5 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $266.99M.
Similar-sized banks
Kaw Valley State Bank And Trust Company ($295.78M) · Arrowhead Bank ($295.32M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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