B
The Commercial Bank
De KalbMS
Rating Date
October 2025
Risk Based
Capital Ratio
--
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings The Commercial Bank
De Kalb, MS
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Rating B
Asset Quality Index 8.50
Capitalization Index 9.60
Liquidity Index 3.10
Profitability Index 3.40
Stability Index 3.50
Company Info The Commercial Bank
De Kalb, MS
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FDIC Number 9356
Phone Number (601) 743-5871
Website www.commercialbankms.com
Asset Quality The Commercial Bank
De Kalb, MS
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1-Year Asset Growth 10.64%
5-Year Asset Growth 10.95%
5-Year Charge-Offs to Average Loans 0.22%
Charge-Offs to Average Loans 0.30%
Non-Performing Assets to Assets 0.11%
Non-Performing Loans to Capital 0.83%
Non-Performing Loans to Loans 0.11%
Balance Sheet The Commercial Bank
De Kalb, MS
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Total Assets 271.83M
Total Deposits 244.28M
Capital and Reserves The Commercial Bank
De Kalb, MS
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Capital 16.51M
Leverage Ratio 10.70
Loan Loss Reserves to Loans 1.64%
Risk-Based Capital Ratio --
Liquidity The Commercial Bank
De Kalb, MS
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Hot Money Ratio 36.38%
Liquidity Ratio 27.67%
Profitability The Commercial Bank
De Kalb, MS
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5-Year Return on Average Assets 1.44%
Net Income 1.40M
Net Interest Spread 3.30%
Operating Profit to Average Assets 0.83%
Overhead Efficiency Ratio 70.73%
Return on Assets 0.67%
Return on Equity 13.18%