Bank Of Commerce (FDIC #9359): Bank Stress & Real-Estate Credit Exposure

Bank Of Commerce (FDIC Cert #9359): bank stress 62/100, elevated, STABLE over 7 days; parent COMMERCE BCORP INC.

Bank Of Commerce (#9359) lends in 10 counties across 1 state; Bank Of Commerce (#9359) reaches 88 ZIP codes: Mississippi 10 counties, 88 ZIPs.

Bank Of Commerce (#9359) largest markets: Tallahatchie County, MS (18 branches, 18 ZIPs) (#9359), Lafayette County, MS (13 branches, 13 ZIPs) (#9359), Carroll County, MS (26 branches, 13 ZIPs) (#9359), Leflore County, MS (22 branches, 11 ZIPs) (#9359), Attala County, MS (11 branches, 11 ZIPs) (#9359), Scott County, MS (10 branches, 10 ZIPs) (#9359).

Bank Of Commerce (#9359) reports $1.13 billion in total assets; Bank Of Commerce (#9359) equity $131.2 million (11.6% of Bank Of Commerce (#9359) assets); Bank Of Commerce (#9359) domestic deposits $996.2 million; Bank Of Commerce (#9359) net income $6.4 million; Bank Of Commerce (#9359) return on assets 1.13%; Bank Of Commerce (#9359) return on equity 10.11%; Bank Of Commerce (#9359) net interest income $17.3 million; Bank Of Commerce (#9359) call report June 30, 2026.

Bank Of Commerce (#9359) noncurrent real-estate loans 0.04% of its book; Bank Of Commerce (#9359) residential 0.04%; Bank Of Commerce (#9359) net charge-offs on real estate 1.00%; Bank Of Commerce (#9359) residential charge-offs 0.97%.

Bank Of Commerce (#9359) net interest margin 3.27% against an eight-quarter Bank Of Commerce (#9359) average of 2.98% (Bank Of Commerce (#9359) compression -0.29 points); Bank Of Commerce (#9359) real-estate loans 3.8% of equity; Bank Of Commerce (#9359) non-residential real estate 96.7% of equity; Bank Of Commerce (#9359) rate-exposure score 40/100, Bank Of Commerce (#9359) fixed-rate trap 40/100; Bank Of Commerce (#9359) risk type credit driven; Bank Of Commerce (#9359) rate regime rates elevated, Bank Of Commerce (#9359) snapshot October 19, 2026.

Bank Of Commerce (#9359) stress score moved from 63 on June 22, 2026 to 62.4 on October 20, 2026; Bank Of Commerce (#9359) ranged 62.4 to 63 over 117 snapshots.

Bank Of Commerce (#9359) alerts: 10 counties; top Bank Of Commerce (#9359) alert scores: Charleston County, MS 21 (low); Columbus County, MS 21 (low); Greenwood County, MS 21 (low); Kosciusko County, MS 21 (low); Morton County, MS 21 (low).