# COMMERCIAL BANK
DE KALB, MS · FDIC certificate 9356 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. Composite score 1 (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 | $295.5M | |
| Deposits | $267.0M | |
| Loans and leases | $170.9M | |
| Total equity | $18.7M | |
| Loans / deposits | 62.97% (p34 of band) | 73.59% |
| Liquid assets / assets | 37.90% (p60 of band) | |
| Uninsured deposits / deposits | 35.39% (p89 of band) | 19.81% |
| Brokered deposits | 8.39% | |
| Wholesale funding | 11.09% (p86 of band) | |
| FHLB advances / assets | 2.71% | |
| Tier 1 leverage | 10.60% (p34 of band) | 11.76% |
| Unrealized securities loss / equity | -96.39% (p1 of band) | -6.57% |
| AOCI / equity | 0.09% (p89 of band) | |
| ROA (annualized) | 0.91% (p35 of band) | 1.17% |
| Net interest margin | 3.81% (p44 of band) | 3.93% |
| Efficiency ratio | 64.13% (p46 of band) | |
| Noncurrent loans | 0.25% (p44 of band) | 0.36% |
| Net charge-offs (annualized) | 0.04% (p79 of band) | |
| Reserve coverage of noncurrent | 653.70% | |
| Real estate % of loans | 60% | |
| Construction % of loans | 48.36% (p78 of band) | |
| Auto loans | $8.1M (4.72% of loans; DQ 10.96%, NCO 0.06%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 7.8% | |
| Employees | 63 | |

## Flags firing in the latest filing

- **securities losses >30% of equity** (`cap_secloss`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 0 |  | reserve under noncurrent |
| 2011-09 | 1 | reserve under noncurrent |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 3 | losing money, expense ratio p90, assets shrinking | reserve under noncurrent |
| 2012-06 | 2 | capital falling | losing money, assets shrinking |
| 2012-09 | 3 | charge-offs p90, assets shrinking | capital falling |
| 2012-12 | 3 | reserve under noncurrent | expense ratio p90 |
| 2013-03 | 2 |  | assets shrinking |
| 2013-06 | 2 |  |  |
| 2013-09 | 2 |  |  |
| 2013-12 | 0 |  | charge-offs p90, reserve under noncurrent |
| 2014-03 | 0 |  |  |
| 2014-06 | 1 | reserve under noncurrent |  |
| 2014-09 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving | reserve under noncurrent |
| 2014-12 | 0 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 1 | auto book souring |  |
| 2016-09 | 0 |  | auto book souring |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | auto book souring |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 2 | capital falling |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 2 | charge-offs p90 | auto book souring |
| 2020-06 | 2 |  |  |
| 2020-09 | 0 |  | capital falling, charge-offs p90 |
| 2020-12 | 0 |  |  |
| 2021-03 | 0 |  |  |
| 2021-06 | 2 | capital falling, auto book souring |  |
| 2021-09 | 1 |  | capital falling |
| 2021-12 | 1 |  |  |
| 2022-03 | 5 | capital falling, AOCI drag >20% of equity, securities losses >30% of equity, charge-offs p90 |  |
| 2022-06 | 4 |  | capital falling |
| 2022-09 | 4 |  |  |
| 2022-12 | 4 |  |  |
| 2023-03 | 3 |  | AOCI drag >20% of equity |
| 2023-06 | 4 | AOCI drag >20% of equity |  |
| 2023-09 | 3 |  | auto book souring |
| 2023-12 | 3 |  |  |
| 2024-03 | 3 | capital falling | AOCI drag >20% of equity |
| 2024-06 | 1 |  | charge-offs p90, capital falling |
| 2024-09 | 1 |  |  |
| 2024-12 | 2 | uninsured deposits leaving |  |
| 2025-03 | 3 | capital falling, charge-offs p90 | uninsured deposits leaving |
| 2025-06 | 1 |  | capital falling, charge-offs p90 |
| 2025-09 | 2 | charge-offs p90 |  |
| 2025-12 | 1 |  | charge-offs p90 |
| 2026-03 | 2 | capital falling |  |
| 2026-06 | 1 |  | capital falling |

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

- 2026-07-23 [Bay Commercial Bank (BCML) Q2 Earnings and Revenues Miss Estimates - Yahoo Finance](https://news.google.com/rss/articles/CBMilwFBVV95cUxObk5iUF9CUkd4d1lUeHd2T0d5RjZwTkVxbkZvQWlSTWZQUmJxeUd2dFNhUEtWYk5IZzdqWXhGY3J3d1hCcU5tZEJNaVBpRmdiVjlxTnFzVXNmWDVFdlFBOUNqb1JrX2UtQ2xTeGNlWTZEMVVRd2ktNE1MZ0hnVlQzalFTN1k2NmZYLTY0TTJhYUxwSkNUY2lJ?oc=5) · Yahoo Finance
- 2026-04-27 [Metropolitan Commercial Bank Appoints Tina L. Laurie as HUD Chief Underwriter - Business Wire](https://news.google.com/rss/articles/CBMizwFBVV95cUxQdUF4WnpMSWpXVGZJRElXaldQRnM2YnEzYXplZGVDWjBrVm5FSG9hc29pQno4dEF6Smk4SWtjd2p1VE5pX2VYUWdFdnhzMFg4ejlZdzNOV1BMTklIWFo2SmNZOVFlYi1VVm42bFhFVExYZUNnZ1ZXWnFhcDNDMW5oamxab2JNTkdraFNsZzRpTmRHTzM0Z0Z2cFBCN3ZTNl9yb0FYdDBPUWhUbC02aXVXOGc2M0VFX2xjU1NlZU9DQ0hNQ3Z2M24tQkd6MFo0SUE?oc=5) · Business Wire
- 2026-04-20 [Metropolitan Commercial Bank Expands Florida Presence, Adds Jessica Raffo as Director of Association Banking - Business Wire](https://news.google.com/rss/articles/CBMi9wFBVV95cUxNQmlibmtTUV9RSlJjQTJKMExtOGh2a0poVjRaMmlZQW9MWlYxeFZXeFgxbVFhX2lfQmNMakJsTVpGS2s3eTBHbDExVDdTOVpqcUJCX3JMY2JRTjRwa0g3eWZCRkFCMVpRbjRlZDZsN3dzd0RibkZERHlielBSUHNvOTFyc3pBU2EzOEJlSzNGTVJ6S1pzRmxPbDV4WHVEZUFnQ1Y4MGZYaFNrNXJEallHZE9YX3FjdnJBczN6MXFwdzNWV0RsaWZpYnVmWlpqd0paM1B3Qkt4cDNaNUdQckEzbi0tSzdiMzZmU1FHWlp5ZDhDaTFTVTNN?oc=5) · Business Wire
- 2025-04-02 [First Commercial Bank Announces Name Change to Story Financial Partners - Mississippi Business Journal](https://news.google.com/rss/articles/CBMipAFBVV95cUxNRnFkdFl4Z1lSalV5NGJwdmZUMGtWVkYtZFB0aFl1ZXBiRl9YcExhcUtVamlaZHZFMjhhRHBUMi1VUGpuai10em5Sam8tcUdwSThIX2ZUYlVxelZNdVE5OHdOSUhxM3FiOVVreTFTUGVKVHgyTDJuS0E5S0dad3JMRlJCX0J4NG43cHhTb1RkRXMtSF9vTTdrSlEwVExBcV9NSmlUeQ?oc=5) · Mississippi Business Journal
- 2026-08-25 [Commercial Bank named Sri Lanka’s Strongest Banking Brand - Island.lk](https://news.google.com/rss/articles/CBMif0FVX3lxTFBLR3VNQmxMaHI5VEtlMTVRMHVlMVREWm5oZlNZQmQ1QUJjRDdhM21aNVVnNjlRMmtxME5NcHVRbzN6YXFzSjI5eEw2REtYUVZzNnpfTXpFMGpxcGZSTGo0R0gwZmNkZEFJVnNqVmtpbmtBdnBDemM4V09uUnVLWFk?oc=5) · Island.lk
- 2025-08-26 [The Commercial Bank announces local promotions - Meridian Star](https://news.google.com/rss/articles/CBMiiwFBVV95cUxPSXJ0S0xlNDEzSGpRaFBkYVRRSHFIVkoyWm4xaXhYSHlubWZzYkpaVmx5SExDekJUeVNBczRfSHlEV3lhTlVseWVrdVItTjNoQjhWcDBDVjBWdzRFd1R6SmlQR1dXMDE0dWRqTHJmcVZtZS0xNURrak5qY0FfZ1V2YU5RZkg0MHNGYXl3?oc=5) · Meridian Star
- 2025-08-05 [First Commercial Bank rebrands as Story Financial Partners - The Oxford Eagle](https://news.google.com/rss/articles/CBMimgFBVV95cUxOZGZTNzVjNlhyalpjRHFaeXV2ZEwwUkkyazRCWnY0RWdoVTltSUlpQTlzaW5JX29xeGhDQWdNcmJwUXg2bm0zSFp2Z0NVU2NnYVlubEY1akpDR0hPdjdtX1pEZ05qSHFWLUVia1FNbV9vbWp5cXp2UkpzdUtQRXg0WTR5Y0hmSWc5OXVhUHA3UFRzZklERGZoVXln?oc=5) · The Oxford Eagle
- 2026-02-02 [Beach Cities Commercial Bank Appoints New Chief Executive Officer - Business Wire](https://news.google.com/rss/articles/CBMivwFBVV95cUxNdUxwWmo1RUZtaWJoVkZpX1V1Nndudm1lRm9taHpoQTNWUjNnVzZhLWx2MWtDd3B0N09BdmxtYVpDcEVnLTVWdlB0bmlVY1JuR2hPd01IcnN3Si1BeEUtWldfbWI4X1pWcTVPUXZtOWtMaVlsZm1pVlRXcEtUbWZRLTBwUkVaSFJ2TndaVndOUnFMYkFDemstRkZudXl2WERiU3ZRUW1YYzVfSDNKVTJ5ckRpLS1nOHhSd1ZuVnEyVQ?oc=5) · Business Wire

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=9356 (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/12.json (key "9356", 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