# BANK OF COMMERCE
GREENWOOD, MS · FDIC certificate 9359 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $1.13B | |
| Deposits | $996.2M | |
| Loans and leases | $654.8M | |
| Total equity | $131.2M | |
| Loans / deposits | 65.22% (p11 of band) | 87.10% |
| Liquid assets / assets | 35.64% (p85 of band) | |
| Uninsured deposits / deposits | 47.21% (p87 of band) | 30.76% |
| Brokered deposits | 0.55% | |
| Wholesale funding | 0.55% (p19 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 12.85% (p83 of band) | 10.50% |
| Unrealized securities loss / equity | -24.30% (p14 of band) | -7.75% |
| AOCI / equity | 1.53% (p97 of band) | |
| ROA (annualized) | 1.13% (p40 of band) | 1.26% |
| Net interest margin | 3.27% (p25 of band) | 3.70% |
| Efficiency ratio | 59.56% (p52 of band) | |
| Noncurrent loans | 0.88% (p69 of band) | 0.51% |
| Net charge-offs (annualized) | 0.08% (p71 of band) | |
| Reserve coverage of noncurrent | 88.55% | |
| Real estate % of loans | 74% | |
| Construction % of loans | 23.85% (p21 of band) | |
| Auto loans | $7.9M (1.21% of loans; DQ 2.29%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 16.1% | |
| Employees | 134 | |

## Flags firing in the latest filing

- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 2 | capital falling, reserve under noncurrent |  |
| 2012-03 | 0 |  | capital falling, reserve under noncurrent |
| 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 | 0 |  |  |
| 2016-12 | 1 | construction >100% equity |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 0 |  | construction >100% equity |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 2 | capital falling, charge-offs p90 |  |
| 2018-06 | 0 |  | capital falling, charge-offs p90 |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 1 | capital falling |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 3 | uninsured deposits >50%, AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-06 | 3 |  |  |
| 2022-09 | 3 |  |  |
| 2022-12 | 2 |  | uninsured deposits >50% |
| 2023-03 | 4 | uninsured deposits >50%, capital falling, charge-offs p90 | AOCI drag >20% of equity |
| 2023-06 | 3 |  | capital falling |
| 2023-09 | 3 |  |  |
| 2023-12 | 2 |  | uninsured deposits >50% |
| 2024-03 | 2 |  |  |
| 2024-06 | 2 | uninsured deposits >50% | charge-offs p90 |
| 2024-09 | 0 |  | securities losses >30% of equity, uninsured deposits >50% |
| 2024-12 | 2 | securities losses >30% of equity, reserve under noncurrent |  |
| 2025-03 | 1 |  | reserve under noncurrent |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 | capital falling | securities losses >30% of equity |
| 2026-03 | 1 |  |  |
| 2026-06 | 1 | reserve under noncurrent | capital falling |

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

- 2026-05-30 [Bank of Commerce Expands its Footprint in Starkville - Delta Business Journal](https://news.google.com/rss/articles/CBMijwFBVV95cUxOSm56UFI4S09xOHRPalJrbW9aRmNwaGdjY1psYXA4NU5DTlVESW5mb1BrT1VqTHIxZkZhdUUxeXl2OUhzMzFja1BaREpHT1BrOUc1MEtZRzVLOTZZV2dDcGFMa2ZKaHQ0MWJCV0RxNy1qUE1wTExjNnNmdGZROHJ5N19EMnBzNTVoR1V4eEN0Zw?oc=5) · Delta Business Journal
- 2026-01-21 [Bank robbery at the Bank of Commerce - The Oxford Eagle](https://news.google.com/rss/articles/CBMifEFVX3lxTE1KR3FoN3JwVzNuYnFDSlNHNWFYMWROd3J4Vkxta2pETGxoRzNYTl9QaTNKbHN0MUNHREMwNWx5clNuc2VMMGY5M0VnTWU3MHRvQUt2MlRPM2dadml3MGMyUURLWkxTXzdqSDlHd1p1NTNpV1ZRR01feGdtMFU?oc=5) · The Oxford Eagle
- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2025-10-08 [Bank of Commerce, Holmes Co. Bank complete merger - The Greenwood Commonwealth](https://news.google.com/rss/articles/CBMigAFBVV95cUxOX3pPdUtxdnNDWFhValRHeXN3c1JkM1E5cG9MVG5YdGxTOXRFYW1fdWw3amZ0cy1BbGxoWFFsSi1ZUGNkOXlEM21TSWZITWkyV21PeVUxTFVjVUJ0RnZiMl9SMGdFaXJTWEVfZERUSmJlQ24tblRVYzF3QnZQZjJ1cQ?oc=5) · The Greenwood Commonwealth
- 2025-07-10 [Business Brief: Ray, Wood take on new roles at Bank of Commerce - Commercial Dispatch](https://news.google.com/rss/articles/CBMiRkFVX3lxTE1DZ2Uxa3h2WGV1MW5hWjVZc0ROZTZVclB5MHJSUE5xV1ZBd2lxaExpSXhGaGZuYk85WEE2QUljQ1lBRGFQRXc?oc=5) · Commercial Dispatch
- 2022-07-18 [MSU team places third nationally in CSBS Community Bank Case Study Competition - Mississippi State University](https://news.google.com/rss/articles/CBMisAFBVV95cUxOMHB5YXhiSnllQlFpdVlnUVlCcnhTZWJHRlhOcU1nU2hUazd5dTdkclNZQ2k4R0VoM3FSU1pDLXJzSVdVOWFjRDhSeE9vQ3pmSU5RRkY4alFuWTdvckRqVTJoNEZHbVdsYXhEWjZVcFRQc1JUR0MtU2tjdi15YVh5bWVYTGY4Y001dC0taHBTV1AxZ0F6THFzMDZmekxqQmdFc0VNUjRzTW8tSW5hUlE5TA?oc=5) · Mississippi State University
- 2026-05-28 [Canadian Imperial Bank of Commerce Q2 Earnings Call Highlights - Yahoo Finance](https://news.google.com/rss/articles/CBMioAFBVV95cUxOSGJLY3R5NkpQbkJoUVdrXy1RRmY0ZUVrbExRNTU2OUdDOExXQTdxMnY5SlZITE0xVE96N09ETFZXUWNCRXBRRU5oUGhkQS1xQ0pvYUc4cm9IUDNuaThXdnd2andSX3ZDbDFiekozMjhPMnJ6eEhzOW5fUlpJaEcwUnFlX29TbUhKS0duTE5WdHBzUEhvbEZqUHRoYldBQVBs?oc=5) · Yahoo Finance
- 2026-07-24 [First National Bank of Commerce Presents Gift to WBU - NEA Report](https://news.google.com/rss/articles/CBMijwFBVV95cUxNSy1qdFEyMHpjdnJaYVM2aGxSakhueXRtckRZTlpHdzUzaG9RcUloaHdYQ1RoR0JnT2JaMlJ5TG1wcE5ZQ2lyYnZUbE53RHhCbDlQaHhYSlR3N19XVFpQZFlmYkl6Ukd3UnY3OTJidnRmQnp5Wmc3VDVjbnRtYkU3blgtNWh5LTYyaEFMVVFnTQ?oc=5) · NEA Report

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=9359 (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/15.json (key "9359", 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