The Commercial Bank (MS)

Overview / Commentary

www.commercialbankms.com

601-743-5871

175 Hopper Avenue
De Kalb, MS 39328

The Commercial Bank (MS) is headquartered in DE KALB and is the 47^th largest bank in the state of Mississippi. It is also the 2,809^th largest bank in the nation. It was established in 1914 and as of June of 2023, it had grown to 57 employees at 5 locations. The Commercial Bank (MS)'s CD rates are 4X the national average, and it has a B+ health rating.

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Health

B+

Data as of Q2 2023

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Health Grade Components

Overall
FDIC Certificate #	9356
Year Established	1914
Employees	57
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	1.1%
Return on Equity - YTD	24.04%
Annual Interest Income	$5.4MM

Assets and Liabilities
Assets	Q2 2023vs Q2 2022	$235.0MM$231.6MM
Loans	Q2 2023vs Q2 2022	$86.4MM$91.1MM
Deposits	Q2 2023vs Q2 2022	$223.9MM$218.2MM
Equity Capital	Q2 2023vs Q2 2022	$9.9MM$11.4MM
Loan Loss Allowance	Q2 2023vs Q2 2022	$2.0MM$2.1MM
Unbacked Noncurrent Loans	Q2 2023vs Q2 2022	$324.00K$329.00K
Real Estate Owned	Q2 2023vs Q2 2022	$0$0

Rates

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Savings
Money Market
Checking
CD

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Always verify rates and promotions with the bank or credit union. We are not The Commercial Bank (MS); we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

The Commercial Bank (MS) Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.65%	-	-	Saving
0.10%	-	-	Christmas Club

The Commercial Bank (MS) Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
2.00%^*	$500k^*	-	Corporate Insured Money Market Account
OTHER TIERS: 0.50% → Up to $100k \| 0.75% → $100k - $250k \| 1.00% → $250k - $500k
0.65%	$1k	-	Insured Money Market

The Commercial Bank (MS) Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
1.50%^*	$250k^*	-	Investors Checking
OTHER TIERS: 1.00% → Up to $50k \| 1.25% → $50k - $250k
0.50%	-	-	Interest Checking

The Commercial Bank (MS) CD Rates

APY	MIN	MAX	ACCOUNT NAME
4.50%	$1k	-	18 Month CD Special
4.00%	$1k	-	12 Month CD
4.00%	$1k	-	24 Month CD
4.00%	$1k	-	30 Month CD
4.00%	$1k	-	36 Month CD
4.00%	$1k	-	48 Month CD
4.00%	$1k	-	60 Month CD
3.75%	$1k	-	6 Month CD
3.25%	$1k	-	21 Month CD
2.50%	$1k	-	32-89 Day CD
2.50%	$1k	-	90-179 Day CD

Locations

The Commercial Bank (MS) Locations
Medical Center Branch	1101 22nd Avenue	Meridian, MS 39301
The Commercial Bank	175 Hopper Ave	De Kalb, MS 39328
Philadelphia Branch	206 South Lewis Avenue	Philadelphia, MS 39350
Meridian Branch	7591 Highway 39	Meridian, MS 39305
Collinsville Branch	Highway 19 North	Collinsville, MS 39325

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