Commercial Bank (FDIC #9356): Bank Stress & Real-Estate Credit Exposure

Commercial Bank (FDIC Cert #9356): bank stress 83/100, severe, STABLE over 7 days; parent COMMERCIAL CAPITAL CORP.

Commercial Bank (#9356) lends in 3 counties across 1 state; Commercial Bank (#9356) reaches 23 ZIP codes: Mississippi 3 counties, 23 ZIPs.

Commercial Bank (#9356) largest markets: Lauderdale County, MS (36 branches, 12 ZIPs) (#9356), Kemper County, MS (11 branches, 11 ZIPs) (#9356), Neshoba County, MS (8 branches, 8 ZIPs) (#9356).

Commercial Bank (#9356) reports $295.5 million in total assets; Commercial Bank (#9356) equity $18.7 million (6.3% of Commercial Bank (#9356) assets); Commercial Bank (#9356) domestic deposits $267.0 million; Commercial Bank (#9356) net income $1.3 million; Commercial Bank (#9356) return on assets 0.91%; Commercial Bank (#9356) return on equity 14.47%; Commercial Bank (#9356) net interest income $5.0 million; Commercial Bank (#9356) call report June 30, 2026.

Commercial Bank (#9356) noncurrent real-estate loans: none reported; Commercial Bank (#9356) net charge-offs on real estate 0.27%.

Commercial Bank (#9356) net interest margin 3.81% against an eight-quarter Commercial Bank (#9356) average of 3.62% (Commercial Bank (#9356) compression -0.19 points); Commercial Bank (#9356) rate-exposure score 40/100, Commercial Bank (#9356) fixed-rate trap 40/100; Commercial Bank (#9356) risk type credit driven; Commercial Bank (#9356) rate regime rates elevated, Commercial Bank (#9356) snapshot October 19, 2026.

Commercial Bank (#9356) stress score moved from 82.8 on June 22, 2026 to 83 on October 20, 2026; Commercial Bank (#9356) ranged 82.8 to 83 over 117 snapshots.

Commercial Bank (#9356) alerts: 3 counties; top Commercial Bank (#9356) alert scores: Dekalb County, MS 28 (low); Meridian County, MS 28 (low); Philadelphia County, MS 28 (low).