The Commercial Bank

BankDe Kalb, Mississippi
www.commercialbankms.com

Total Assets

$278.1M

Total Deposits

$251.7M

Branches

5

Established

1914

TFS Health Grade

$
D

64.2 / 100

Below average financial health

How we grade

The Commercial Bank is a bank headquartered in De Kalb, Mississippi, established in 1914. With $278.1M in total assets and 5 branch locations, it has a TFS Financial Health Grade of D (64.2/100).

Capital & Safety

Tier 1 Capital Ratio
10.69%(8%)
Total Capital Ratio
0.00%(10%)
Non-Performing Loan Ratio
0.15%

Profitability

Return on Assets (ROA)
0.77%(1%)
Return on Equity (ROE)
13.80%(10%)
Net Interest Margin
3.66%
Efficiency Ratio
68.82%(60%)

Lending & Liquidity

Total Loans
$152.1M
Loan-to-Deposit Ratio
59.42%
Net Charge-Off Ratio
0.24%

Growth

Asset Growth (YoY)
+10.46%
Deposit Growth (YoY)
+13.74%
Net Income
$2.1M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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