Bank · FDIC insured
The Commercial Bank
A $295.5M bank headquartered in De Kalb, MS, with 5 branches in Mississippi. Best rates: CDs 4.50% and savings 0.65% APY.
The Commercial Bank Carrot Score
84
Carrot Score
Higher than 67% of U.S. banks and credit unions
#2 of 6 in Meridian, MS metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About The Commercial Bank
The Commercial Bank has served the people of East Mississippi since 1914.
The bank maintains branch locations in Briarwood, Collinsville, DeKalb, Downtown Meridian, and Philadelphia.
- Headquarters
- 175 Hopper Ave, De Kalb, MS 39328
- FDIC certificate
- 9356 ↗
Branches
5 branches in Mississippi
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Mississippi
5 branches
Meridian area · 3
- Collinsville BranchHighway 19 North, Collinsville, MS 39325Directions
- Medical Center Branch1101 22nd Ave, Meridian, MS 39301Directions
- Meridian Branch7591 Highway 39, Meridian, MS 39305Directions
De Kalb area · 1
- The Commercial BankMain office175 Hopper Ave, De Kalb, MS 39328Directions
Philadelphia area · 1
- Philadelphia Branch206 Lewis Ave S, Philadelphia, MS 39350Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 10.60% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.25% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 0.91% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $64 | $81 | — |
- CapitalLeverage ratio10.60%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.25%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets0.91%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$64Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of The Commercial Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.