BlastPoint's Banking Scorecard
Bank of Commerce
Community
Specialty: Agricultural
MS
FDIC cert 9359
Greenwood, MS
1484
banks in Community tier nationally
21 in MS
View Community leaderboard (MS) →
Bank of Commerce faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 22.77% below tier
- - Non-Interest-Bearing Deposit Share 11.83% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.1B
+16.7% YoY
+15.3% QoQ
|
-$268.7M |
$1.4B
+2.0% YoY
|
$2.2B
+10.7% YoY
|
$5.9B
+6.5% YoY
|
56% |
| Total Loans ? |
$597.2M
+17.8% YoY
+10.8% QoQ
|
-$378.3M |
$975.5M
+2.4% YoY
|
$1.5B
+12.2% YoY
|
$3.1B
+8.5% YoY
|
41% |
| Total Deposits ? |
$990.5M
+16.6% YoY
+15.6% QoQ
|
-$174.1M |
$1.2B
+1.7% YoY
|
$1.9B
+9.4% YoY
|
$4.7B
+6.3% YoY
|
59% |
| Return on Assets ? |
1.00%
+6.0% YoY
-15.3% QoQ
|
-0.17% |
1.16%
+17.2% YoY
|
1.01%
-3.5% YoY
|
1.12%
+15.6% YoY
|
39% |
| Net Interest Margin ? |
3.07%
+10.7% YoY
+2.7% QoQ
|
-0.60% |
3.66%
+9.1% YoY
|
3.89%
+5.4% YoY
|
3.75%
+7.1% YoY
|
20% |
| Efficiency Ratio ? |
61.97%
-1.7% YoY
+13.3% QoQ
|
-0.66% |
62.63%
-5.3% YoY
|
68.70%
-1.6% YoY
|
65.09%
-5.1% YoY
|
51% |
| Delinquency Rate ? |
0.51%
-48.6% YoY
+28.4% QoQ
|
-0.12% |
0.63%
+18.3% YoY
|
0.98%
+32.9% YoY
|
0.66%
+20.3% YoY
|
46% |
| Loan-to-Deposit Ratio ? |
60.29%
+1.0% YoY
-4.2% QoQ
|
-22.77% |
83.06%
+0.3% YoY
|
71.82%
+2.7% YoY
|
78.04%
+0.7% YoY
|
Bottom 9% in tier |
| Non-Interest-Bearing Deposit Share ? |
9.22%
+26.3% YoY
+22.5% QoQ
|
-11.83% |
21.05%
-0.9% YoY
|
23.43%
+1.6% YoY
|
21.79%
-1.3% YoY
|
Bottom 9% in tier |
| Nonperforming Asset Ratio ? |
0.33%
-38.3% YoY
+22.6% QoQ
|
-0.17% |
0.50%
+20.3% YoY
|
0.61%
+16.2% YoY
|
0.48%
+20.8% YoY
|
51% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
6.62%
-3.2% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.57%
-2.8% YoY
+3.2% QoQ
|
-0.17% |
0.74%
-1.3% YoY
|
0.73%
-13.2% YoY
|
0.65%
+0.6% YoY
|
58% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Loan-to-Deposit Ratio
metric
Bottom 9%
in Community
Why this stands out
Current:
60.29%
(Tier avg: 83.06%, National avg: 78.04%)
Non-Interest-Bearing Deposit Share
metric
Bottom 9%
in Community
Why this stands out
Current:
9.22%
(Tier avg: 21.05%, National avg: 21.79%)
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
59
59th pctile
Total Deposits
Current: $990.5M · Tier avg: $1.2B
58
58th pctile
Non-Interest Income / Assets
Current: 0.57% · Tier avg: 0.74%
56
56th pctile
Total Assets
Current: $1.1B · Tier avg: $1.4B
51
51th pctile
Nonperforming Asset Ratio
Current: 0.33% · Tier avg: 0.50%
51
51th pctile
Efficiency Ratio
Current: 61.97% · Tier avg: 62.63%
46
46th pctile
Delinquency Rate
Current: 0.51% · Tier avg: 0.63%
41
41th pctile
Total Loans
Current: $597.2M · Tier avg: $975.5M
39
39th pctile
Return on Assets
Current: 1.00% · Tier avg: 1.16%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
20
20th pctile
Net Interest Margin
Current: 3.07% · Tier avg: 3.66%
9
9th pctile
Non-Interest-Bearing Deposit Share
Current: 9.22% · Tier avg: 21.05%
9
9th pctile
Loan-to-Deposit Ratio
Current: 60.29% · Tier avg: 83.06%
Top Weaknesses
9
9th pctile
Loan-to-Deposit Ratio
Current: 60.29% · Tier avg: 83.06%
9
9th pctile
Non-Interest-Bearing Deposit Share
Current: 9.22% · Tier avg: 21.05%
20
20th pctile
Net Interest Margin
Current: 3.07% · Tier avg: 3.66%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
39
39th pctile
Return on Assets
Current: 1.00% · Tier avg: 1.16%
41
41th pctile
Total Loans
Current: $597.2M · Tier avg: $975.5M
46
46th pctile
Delinquency Rate
Current: 0.51% · Tier avg: 0.63%
51
51th pctile
Efficiency Ratio
Current: 61.97% · Tier avg: 62.63%
51
51th pctile
Nonperforming Asset Ratio
Current: 0.33% · Tier avg: 0.50%
56
56th pctile
Total Assets
Current: $1.1B · Tier avg: $1.4B
58
58th pctile
Non-Interest Income / Assets
Current: 0.57% · Tier avg: 0.74%
59
59th pctile
Total Deposits
Current: $990.5M · Tier avg: $1.2B