# COMMERCE BANK
CORINTH, MS · FDIC certificate 34938 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 2 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $167.9M | |
| Deposits | $149.0M | |
| Loans and leases | $117.3M | |
| Total equity | $17.1M | |
| Loans / deposits | 77.58% (p58 of band) | 73.59% |
| Liquid assets / assets | 24.24% (p30 of band) | |
| Uninsured deposits / deposits | 13.24% (p25 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.25% (p48 of band) | |
| FHLB advances / assets | 0.25% | |
| Tier 1 leverage | 12.46% (p58 of band) | 11.76% |
| Unrealized securities loss / equity | -21.00% (p22 of band) | -6.57% |
| AOCI / equity | -2.08% (p11 of band) | |
| ROA (annualized) | 2.48% (p93 of band) | 1.17% |
| Net interest margin | 5.61% (p97 of band) | 3.93% |
| Efficiency ratio | 55.58% (p24 of band) | |
| Noncurrent loans | 1.72% (p82 of band) | 0.36% |
| Net charge-offs (annualized) | 0.16% (p90 of band) | |
| Reserve coverage of noncurrent | 85.62% | |
| Real estate % of loans | 68% | |
| Construction % of loans | 22.38% (p57 of band) | |
| Auto loans | $3.6M (3.05% of loans; DQ 5.68%, NCO 0.04%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 7.4% | |
| Employees | 29 | |

## Flags firing in the latest filing

- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 1 | capital falling |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 0 |  | capital falling |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | capital falling |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 0 |  | capital falling |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 1 | charge-offs p90 |  |
| 2018-09 | 0 |  | charge-offs p90 |
| 2018-12 | 0 |  |  |
| 2019-03 | 1 | charge-offs p90 |  |
| 2019-06 | 0 |  | charge-offs p90 |
| 2019-09 | 0 |  |  |
| 2019-12 | 1 | uninsured deposits leaving |  |
| 2020-03 | 1 | charge-offs p90 | uninsured deposits leaving |
| 2020-06 | 0 |  | charge-offs p90 |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 0 |  | capital falling |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | AOCI drag >20% of equity |  |
| 2022-06 | 2 | securities losses >30% of equity |  |
| 2022-09 | 3 | charge-offs p90 |  |
| 2022-12 | 2 |  | charge-offs p90 |
| 2023-03 | 1 |  | AOCI drag >20% of equity |
| 2023-06 | 1 |  |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 0 |  | securities losses >30% of equity |
| 2024-03 | 3 | capital falling, securities losses >30% of equity, charge-offs p90 |  |
| 2024-06 | 2 |  | capital falling |
| 2024-09 | 1 |  | securities losses >30% of equity |
| 2024-12 | 2 | securities losses >30% of equity |  |
| 2025-03 | 1 |  | securities losses >30% of equity |
| 2025-06 | 0 |  | charge-offs p90 |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 1 | reserve under noncurrent |  |
| 2026-06 | 2 | charge-offs p90 |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-01-21 [Commerce Bank CEO: Small businesses in Kansas City risk missing World Cup windfall - The Business Journals](https://news.google.com/rss/articles/CBMirwFBVV95cUxPanEzcHlwQm13empFNG93V2YtLTV3SXZnbTNRdWVESUpXNGtMbk91V3RabHdzWVVLZkdaNkQ5MnA2SHAxZy15SDM0SDdXc1RPRGxOQXF4LThTd0lYX3I3RW51VVNhV21KbEF3VkY3MlBkQkdvSDhOLWJQeG9SaWRpOFRERW5qcmlUelk1RjRzQWNfcFlpUE1PdGtOU1JQSEJpcVVKeTZzaUJfRmJaM3RN?oc=5) · The Business Journals
- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2026-06-01 [Obituary information for Beverly A. Banks - Meierhoffer Funeral Home](https://news.google.com/rss/articles/CBMid0FVX3lxTE5sNjZFU3FXaXFKZ09BbnZfYnZ1cWlBTU5zWkhzS0c4ZVZUOWlsaFM1cFprVEFYS1RmQ0c3S2hjc0VJOTVfVHdTZU5IUVlFc29JSko4NjRUcF8zVG5BTkI0WHU1YXp0alFuMzJNY3M0bm5pdTZmUFlz?oc=5) · Meierhoffer Funeral Home
- 2026-06-30 [Commerce Bank in St. Louis to buy boutique firm - Banking Dive](https://news.google.com/rss/articles/CBMijAFBVV95cUxQZ0dqYXNablVraXpHSzIzekxiV1dtb0tZMU0xSEM4azRvSTV5MWtpMlk4MnFwU3RyRmxoQTRDOHFiVjZjamFoTDl5NFpzdlBOSEtVVGpSZjBqOWZpSEZ0aURFMFdDTjNrNG9OSmEwYnZ3bXpZYjd6Vm00czZMVmJGeGxZRUNEVDdNd3BGRg?oc=5) · Banking Dive
- 2024-01-03 [Eric Nelson, Commerce Bank - Kansas City Fed](https://news.google.com/rss/articles/CBMikgFBVV95cUxOYXFqbzlRelN6RTlBVUVEQU91WmFYTkRwY3pzQ0dvMF9xeS1ibWFPWnp2ck1zY0JDRVhmSHE3VFl3NmQ5dV9zY0YyWThTR3F2M3N1UXFUc0pMa3pheFF1aEZ0RU1uVngxcm8zd0hKeGh5U05JQS02V05KZzdVVHd6VEhnbndacmpYai1CV0Z4XzQtQQ?oc=5) · Kansas City Fed
- 2023-08-19 [Commerce Bank in Corinth names Davis chairman, Brawner president - djournal.com](https://news.google.com/rss/articles/CBMi1AFBVV95cUxNbmpBZG9LdDlnMFJTM09kR084aGlLcnVvcFRCOXFBMXR0enU4a3hiWHMzeGloa1pCZ3hnUXJmeXJ6a0c1MUJ3TnhpWlRvZ0ZJMjcwZ2lBX0prd2toMGdwOEtjV3BUSlJmajl2WWozYkV5OWhyTFlENGNBZTRPSWt6OGhiZmVZdE1FZFNLdlphYlNqUXBHd1JLSzBIU2ttYzUxR2VuZmhySFpqeFBlOXVFM0RFZWFlaXBTZVM0eU5XcTFzaldTMkxDVFZGV3JqUkExVVVLYg?oc=5) · djournal.com
- 2026-04-01 [Home BancShares acquires Mountain Commerce Bank parent company - WJHL](https://news.google.com/rss/articles/CBMimwFBVV95cUxNeEZmdzAxQU11VW5vVjc0ZDV2UFFndU5zbXA0aXBoaWswS1pYVkluUHY5YlEtOUVldGhmT1NYcV92anBaWWVKR2sxSThqRXl5V3kzbXNGOWZfeTExemRUVEtqZXlnZE52bFlEMTNlNFlscmFFTGk2NEZOWGZjcGpjVGlXN1VrSUFkMU9ybGRZTDhRTmNRV21TaGRLWdIBoAFBVV95cUxPcjJsbDFsVndFUmJVNXllb09wcVRuaE1VMTczaFREcjBsX2JoRmkyU1NVUGlLWV9UWDRtMnl3a3E2UVpzUU82WUU4NXdDQ1pkV3RaMFdBTlJMaEFkU1FkS1RiTkxoQ1R6ZExjMC1QMEVIY1dHYUpZX05falZzMEs3UlFWb3lDYWg2Z1I1cEpKcFdITTBCS3RoQ0NpaHZlR3pi?oc=5) · WJHL
- 2018-01-12 [Membership Appointments Announced for the Federal Reserve Bank of San Francisco’s Community Depository Institutions Advisory Council - San Francisco Fed - Federal Reserve Bank of San Francisco](https://news.google.com/rss/articles/CBMi7wFBVV95cUxPeUJNalJOZjFBZ3dsVGRvZ3otc0FUSjFfUHJ0Xy0taFlfTXl1dnNNN1NmVzdMUEQtN0cwSm9CQ0ZHZEk2RUlYMzNzcWNqcnZTMnZwM29TamozN0hINTRUTlh3NXI4RlhYR09XbGRBOWlOUHZhcEFZOVpwdzNQcE9jZ2xybWlkSHVRRXg3YXRUa09IZlY5M0NXdlBobVVORzNKNUtNSWU5VXVZOXpmdXZWQ3NSSnZMM3JuRlZMVWh0YXZzV1lhV2U1X1VjMURZaXFkYkZSZTFUOU5yVDg2dnFaQzBOTVk4OXJiUTdveVRnZw?oc=5) · Federal Reserve Bank of San Francisco

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=34938 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/58.json (key "34938", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide