B
The Commercial Bank
De Kalb,  MS
Rating Date
August 2026
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 8.40
Capitalization Index 9.40
Liquidity Index 2.80
Profitability Index 4.30
Stability Index 3.20
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 12.32%
5-Year Asset Growth 10.71%
5-Year Charge-Offs to Average Loans 0.23%
Charge-Offs to Average Loans 0.08%
Non-Performing Assets to Assets 0.08%
Non-Performing Loans to Capital 1.20%
Non-Performing Loans to Loans 0.08%
Balance Sheet The Commercial Bank
De Kalb, MS
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Total Assets 295.48M
Total Deposits 266.99M
Capital and Reserves The Commercial Bank
De Kalb, MS
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Capital 18.75M
Leverage Ratio 10.60
Loan Loss Reserves to Loans 1.60%
Risk-Based Capital Ratio --
Liquidity The Commercial Bank
De Kalb, MS
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Hot Money Ratio 36.79%
Liquidity Ratio 26.65%
Profitability The Commercial Bank
De Kalb, MS
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5-Year Return on Average Assets 1.40%
Net Income 1.31M
Net Interest Spread 3.53%
Operating Profit to Average Assets 1.10%
Overhead Efficiency Ratio 64.13%
Return on Assets 0.87%
Return on Equity 14.48%