Bank of Commerce
Greenwood, Mississippi, Leflore County
$1.1B in total assets, the 957th largest of 4,309 US banks and 13th of 57 headquartered in Mississippi.
- FDIC certificate
- 9359
- Established
- 1904
- Owned by
- Commerce Bcorp Inc
- Primary regulator
- FDIC
- Website
- WWW.BANKCOM.COM
At a glance
Compared with 10 banks headquartered in Mississippi with $1 billion to $10 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $1.1B | 10% | $2.3B | |
| Loans | $655M | 2% | $1.6B | |
| Deposits | $996M | 10% | $2.0B | |
| Return on assets | 0.94% | 20% | 1.10% | |
| Net interest margin | 3.27% | 2% | 4.01% | |
| Efficiency ratio | 59.6% | 10% | 64.4% | |
| Equity to assets | 11.56% | 80% | 10.82% | |
| Loans to deposits | 66% | 2% | 81% |
Growth
Total assets grew 9.3% a year over the last 5 years and 12.5% a year over 10 years, including 4 acquisitions in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Oct 2025 | Holmes County Bank Lexington, MS | $152M |
| Dec 2023 | Bank of Morton Morton, MS | $77M |
| May 2019 | Peoples Bank & Trust Company North Carrollton, MS | $74M |
| Mar 2018 | Tallahatchie County Bank Charleston, MS | $56M |
Where they operate
16 branches in 10 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Leflore County, MS | $479M | 42.2% | 1 of 7 |
| Holmes County, MS | $119M | 37.8% | 2 of 3 |
| Tallahatchie County, MS | $94M | 53.2% | 1 of 3 |
| Carroll County, MS | $90M | 100.0% | 1 of 1 |
| Scott County, MS | $70M | 10.2% | 3 of 6 |
| Clay County, MS | $39M | 9.7% | 4 of 6 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 12 branches since 2016 (4 to 16, +300.0%). 4 opened, 9 acquired, 1 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 4 | |||
| 2016 | Opened Columbus | 1 | 0 | +1 | 5 |
| 2018 | Acquired Tallahatchie County Bank | 1 | 0 | +1 | 6 |
| 2019 | Acquired Peoples Bank & Trust Company | 2 | 0 | +2 | 8 |
| 2021 | Opened West PointClosed Carrollton | 1 | 1 | 0 | 8 |
| 2023 | Acquired Bank of MortonOpened Columbus | 2 | 0 | +2 | 10 |
| 2025 | Acquired Holmes County Bank | 5 | 0 | +5 | 15 |
| 2026 through Q2 | Opened Starkville | 1 | 0 | +1 | 16 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| 1-4 family residential | 37% | 28% | |
| Farmland | 19% | 3% | |
| Commercial real estate | 14% | 37% | |
| Business (C&I) | 11% | 11% | |
| Agricultural | 9% | 1% | |
| Construction and land | 5% | 11% | |
| Consumer | 3% | 2% | |
| Multifamily | 1% | 5% | |
| Other | 3% | 1% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 59% | 59% | |
| Time deposits | 32% | 23% | |
| Noninterest-bearing | 9% | 18% |
Brokered deposits are 0.6% of deposits (peers 1.4%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.88% | 0.65% |
| Net charge-offs, annualized | 0.14% | 0.08% |
| Reserves to loans | 0.78% | 1.14% |
| Leverage ratio | 12.85% | 10.82% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Mississippi
Largest competitors in Leflore County, MS
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/banks/bank-commerce-greenwood-ms