The Commercial Bank
De Kalb, MS
IDRSSD: 700430
Total Assets
$271.83M
Latest filing
Total Deposits
$244.28M
Latest filing
Net Interest Margin
3.79%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
The Commercial Bank
175 Hopper Ave
De Kalb, MS 39328
Full Service - Brick and Mortar
Updated 11/14/2025Established 12/01/1914FDIC Certificate 6006
Branches (4)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| The Commercial Bank (Main) | 175 Hopper Ave | De Kalb, MS |
| COLLINSVILLE BRANCH | Highway 19 North | Collinsville, MS |
| MERIDIAN BRANCH | 7591 Highway 39 | Meridian, MS |
| MEDICAL CENTER BRANCH | 1101 22nd Ave | Meridian, MS |
| PHILADELPHIA BRANCH | 206 Lewis Ave S | Philadelphia, MS |
Showing 4 of 4
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 12/01/1914 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 39328 |
| State and County Number | 28069 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 06 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Dallas |
| Core Based Statistical Area Name | Meridian, MS |
Operational Info
| Number of Employees | 60 |
| Domestic Offices | 5 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.commercialbankms.com |
| Data Updated | 11/14/2025 |
| CERT | 9356 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $271.83M |
| Total Deposits | $244.28M |
| Total Liabilities | $255.32M |
| Total Equity Capital | $16.51M |
| Net Income | $538.00k |
| Net Loans and Leases | $145.37M |
| Assets Per Employee ($Millions) | $4.53M |
| Bank Premises and Fixed Assets | $4.86M |
| Cash and Balances due from Depository Institutions | $0 |
| Deposits Held in Domestic Offices | $244.28M |
Key Performance Ratios
| Return on Assets (ROA) | 0.8% |
| Return on Equity (ROE) | 14.2% |
| Net Interest Margin | 3.79% |
| Efficiency Ratio | 67.19% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.22% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 6.074% |
| Earning Assets to total Assets | 91.3% |
Income and Expense
| Total Interest Income | $3.69M |
| Total Noninterest Income | $215.00k |
| Total Interest Expense | $1.37M |
| Total Noninterest Expense | $1.70M |
| Net Interest Income | $2.32M |
| Pre-tax Net Operating Income | $682.00k |
| Provision for Credit Losses | $150.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $131.00k |
| Other borrowed funds | $9.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $2.04M |
| Total Liabilities and Capital | $271.83M |
Securities
| Securities | $100.91M |
| Available-for-sale debt securities | $100.91M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of The Commercial Bank?
$271.83M as of the latest filing.
How much are The Commercial Bank's total deposits?
$244.28M in total deposits.
Where is The Commercial Bank located?
De Kalb, MS.
What is the Net Interest Margin?
3.79%.
How many domestic offices does it operate?
5.
When was it established?
12/01/1914.
What is the Return on Assets (ROA)?
0.8%.
How much are total loans and leases?
$145.37M (latest filing).
What is the total interest income (latest filing)?
$3.69M.