BlastPoint's Banking Scorecard
Commerce Bank
Micro
Specialty: Commercial
MS
FDIC cert 34938
Designations: ✓ Community bank
Corinth, MS
2498
banks in Micro tier nationally
31 in MS
View Micro leaderboard (MS) →
Commerce Bank demonstrates 3 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.31% above tier
- + Net Interest Margin 1.79% above tier
- + Non-Interest-Bearing Deposit Share 19.39% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$158.6M
+2.1% YoY
-0.8% QoQ
|
-$58.9M |
$217.5M
+2.3% YoY
|
$2.2B
+10.7% YoY
|
$5.9B
+6.5% YoY
|
41% |
| Total Loans ? |
$109.8M
+5.5% YoY
+1.7% QoQ
|
-$29.4M |
$139.2M
+2.8% YoY
|
$1.5B
+12.2% YoY
|
$3.1B
+8.5% YoY
|
46% |
| Total Deposits ? |
$137.7M
-2.0% YoY
+0.4% QoQ
|
-$46.0M |
$183.7M
+1.8% YoY
|
$1.9B
+9.4% YoY
|
$4.7B
+6.3% YoY
|
42% |
| Return on Assets ? |
2.39%
+21.4% YoY
-3.7% QoQ
|
+1.31% |
1.08%
+14.7% YoY
|
1.01%
-3.5% YoY
|
1.12%
+15.6% YoY
|
Top 4% in tier |
| Net Interest Margin ? |
5.64%
+7.6% YoY
+0.5% QoQ
|
+1.79% |
3.85%
+6.6% YoY
|
3.89%
+5.4% YoY
|
3.75%
+7.1% YoY
|
Top 3% in tier |
| Efficiency Ratio ? |
56.67%
-2.0% YoY
+3.0% QoQ
|
-11.06% |
67.73%
-4.8% YoY
|
68.70%
-1.6% YoY
|
65.09%
-5.1% YoY
|
77% |
| Delinquency Rate ? |
1.16%
+7.8% YoY
+17.5% QoQ
|
+0.52% |
0.64%
+24.4% YoY
|
0.98%
+32.9% YoY
|
0.66%
+20.3% YoY
|
25% |
| Loan-to-Deposit Ratio ? |
79.70%
+7.7% YoY
+1.2% QoQ
|
+5.17% |
74.53%
+0.5% YoY
|
71.82%
+2.7% YoY
|
78.04%
+0.7% YoY
|
43% |
| Non-Interest-Bearing Deposit Share ? |
41.79%
+2.1% YoY
-2.2% QoQ
|
+19.39% |
22.39%
-1.3% YoY
|
23.43%
+1.6% YoY
|
21.79%
-1.3% YoY
|
Top 6% in tier |
| Nonperforming Asset Ratio ? |
0.82%
+13.8% YoY
+22.8% QoQ
|
+0.36% |
0.45%
+25.1% YoY
|
0.61%
+16.2% YoY
|
0.48%
+20.8% YoY
|
25% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
6.62%
-3.2% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.80%
-13.9% YoY
+33.1% QoQ
|
+0.23% |
0.56%
+0.3% YoY
|
0.73%
-13.2% YoY
|
0.65%
+0.6% YoY
|
Top 13% in tier |
Signature Analysis
Strengths (3)
Return on Assets
metric
Top 4%
in Micro
Why this stands out
Current:
2.39%
(Tier avg: 1.08%, National avg: 1.12%)
Net Interest Margin
metric
Top 3%
in Micro
Why this stands out
Current:
5.64%
(Tier avg: 3.85%, National avg: 3.75%)
Non-Interest-Bearing Deposit Share
metric
Top 6%
in Micro
Why this stands out
Current:
41.79%
(Tier avg: 22.39%, National avg: 21.79%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
97
97th pctile
Net Interest Margin
Current: 5.64% · Tier avg: 3.85%
96
96th pctile
Return on Assets
Current: 2.39% · Tier avg: 1.08%
94
94th pctile
Non-Interest-Bearing Deposit Share
Current: 41.79% · Tier avg: 22.39%
87
87th pctile
Non-Interest Income / Assets
Current: 0.80% · Tier avg: 0.56%
77
77th pctile
Efficiency Ratio
Current: 56.67% · Tier avg: 67.73%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
46
46th pctile
Total Loans
Current: $109.8M · Tier avg: $139.2M
43
43th pctile
Loan-to-Deposit Ratio
Current: 79.70% · Tier avg: 74.53%
42
42th pctile
Total Deposits
Current: $137.7M · Tier avg: $183.7M
41
41th pctile
Total Assets
Current: $158.6M · Tier avg: $217.5M
25
25th pctile
Delinquency Rate
Current: 1.16% · Tier avg: 0.64%
25
25th pctile
Nonperforming Asset Ratio
Current: 0.82% · Tier avg: 0.45%
Top Weaknesses
25
25th pctile
Nonperforming Asset Ratio
Current: 0.82% · Tier avg: 0.45%
25
25th pctile
Delinquency Rate
Current: 1.16% · Tier avg: 0.64%
41
41th pctile
Total Assets
Current: $158.6M · Tier avg: $217.5M
42
42th pctile
Total Deposits
Current: $137.7M · Tier avg: $183.7M
43
43th pctile
Loan-to-Deposit Ratio
Current: 79.70% · Tier avg: 74.53%
46
46th pctile
Total Loans
Current: $109.8M · Tier avg: $139.2M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
77
77th pctile
Efficiency Ratio
Current: 56.67% · Tier avg: 67.73%
87
87th pctile
Non-Interest Income / Assets
Current: 0.80% · Tier avg: 0.56%
94
94th pctile
Non-Interest-Bearing Deposit Share
Current: 41.79% · Tier avg: 22.39%
96
96th pctile
Return on Assets
Current: 2.39% · Tier avg: 1.08%
97
97th pctile
Net Interest Margin
Current: 5.64% · Tier avg: 3.85%