Bank of Commerce

310 Howard Street
Greenwood, MS 38930


2019 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 9359
Date Established 1904
Assets $0.48 billion
Loans $0.27 billion
Deposits $0.41 billion
Capital $0.05 billion

Bank of Commerce is an FDIC insured institution located in Greenwood, MS. It was founded in 1904 and has approximately $0.48 billion in assets. Customers can open an account at one of its 6 branches.

For a more detailed analysis of Bank of Commerce's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - August 25, 2019

Your Current Location: Washington, WA 98101

Savings and Money Market Rates APY MIN MAX
Money Market
0.50% $2,500 - Learn MoreShow Less
3 Mo CD
0.65% $2,500 - Learn MoreShow Less
6 Mo CD
0.95% $2,500 - Learn MoreShow Less
Special: 7 Mo CD
2.20% $10,000 - Learn MoreShow Less
12 Mo CD
1.20% $1,000 - Learn MoreShow Less
18 Mo CD
1.40% $1,000 - Learn MoreShow Less
24 Mo CD
1.50% $1,000 - Learn MoreShow Less
36 Mo CD
1.75% $1,000 - Learn MoreShow Less
48 Mo CD
1.95% $1,000 - Learn MoreShow Less
60 Mo CD
2.10% $1,000 - Learn MoreShow Less

Fixed IRA
1.20% $1,000 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.10% $1,000 $9,999 Learn MoreShow Less

Loan Rates - August 25, 2019

Your Current Location: Washington, WA 98101

There are currently no loan rates available for Bank of Commerce

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Washington 30 Year Fixed Mortgage Rates 2019

Lender APR Rate (%) Points Fees Monthly
Learn More
NMLS ID: 2890
License#: 520-CL-25944
3.529% 3.500% 0.38 $898 $1,123 Learn More

Featured - Washington Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
4.240 %
$0 Learn More
More Info

Note to Bank of Commerce
To upload and update your bank's rates please register. It is free to register and add rates.


Bank of Commerce branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:

Bank of Commerce Locations

Financial Details

Bank of Commerce Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Bank of Commerce. The data is provided by the FDIC. All banks listed on are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Bank of Commerce U.S. Bank Average
1.88% 6.94%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of March 31, 2019, Bank of Commerce had $877,000 in non-current loans and $86,000 in owned real estate. To cover these potential losses it had $46,995,000 in equity and $4,282,000 in loans loss reserves. That gives it a Texas Ratio of 1.88%.

Return on Equity
Bank of Commerce U.S. Bank Average
19.47% 9.47%

Bank of Commerce has a Return on Equity of 19.47% versus the BestCashCow average of 9.47%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Bank of Commerce U.S. Bank Average
9.89% 12.49%

Bank of Commerce has a Capitalization of 9.89% versus the BestCashCow average of 12.49. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Bank of Commerce Balance Sheet Analysis

As of March 31, 2019, Bank of Commerce had assets of $475,040,000, loans of $274,123,000, and deposits of $412,354,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

March 31, 2019
Cash & Balances due from depository institutions $0.03 billion
Interest-bearing balances $0.02 billion
Total securities $0.15 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.27 billion
Loan loss allowance $0.00 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.01 billion
     Total Assets $0.43 billion
Total deposits $0.41 billion
      Interest-bearing deposits $0.37 billion
      Deposits held in domestic offices $0.41 billion
      % insured (estimated) 55.83%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.01 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.43 billion
      Shareholders’ Equity $0.05 billion

Summary Income Statement

March 31, 2019
Total Interest Income $0.01 billion
Total Interest Expense $0.00 billion
Net interest income $0.00 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.00 billion
Pre-tax Net Operating Income $0.00 billion

Bank Loan Profile?

The top three loan types in Bank of Commerce’s loan portfolio are 1-4 Family Residential Loans, Commercial Real Estate, and Commercial and Industrial Loans.

Compared to other banks, Bank of Commerce’s loan portfolio does not show any specific loan specialty.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 36.99
Credit Card Loans 0.00
Consumer Auto Loans 3.11
Small Business Loans 10.83
Construction and Development Loans 8.04
Commercial Real Estate 12.39
Commercial and Industrial Loans 11.12
Farm Loans 8.20

Frequently Asked Questions About Bank Of Commerce

Branches and Savings

Is Bank Of Commerce FDIC insured?

Yes. It is covered under FDIC Certificate #9359.

Why does Bank Of Commerce pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Bank Of Commerce CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Bank Of Commerce a commercial bank?


Where are Bank Of Commerce locations?

See branch locations nearby.

Is Bank Of Commerce open on Saturdays?

Is Bank Of Commerce open on Sundays?

What time does Bank Of Commerce open?

What time does Bank Of Commerce close?

Are Bank Of Commerce ATMs Open 24/7?

Do Bank Of Commerce ATMs accept cash deposits?

Can Bank Of Commerce customers use other ATMs?

Do Bank Of Commerce branches have notaries?

Will Bank Of Commerce notarize my document?

What address for Bank Of Commerce should I put for incoming ACH transfers?

Will the Bank Of Commerce branch print checks?

Do Bank Of Commerce checks expire?

Does Bank Of Commerce require US citizenship to open account?

Can Bank Of Commerce close my account?

Does Bank Of Commerce Report to credit bureaus?

Does Bank Of Commerce Use Equifax?

What is Bank Of Commerce's ACH Routing Number?

What is Bank Of Commerce's SWIFT code?


Does Bank Of Commerce offer mortgages?

Compare mortgage rates here.

Does Bank Of Commerce offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Bank Of Commerce offer personal loans?

Compare personal loan rates here.

Does Bank Of Commerce offer student loans?

Will Bank Of Commerce cash a check?

Will Bank Of Commerce redeem a savings bond?

Does Bank Of Commerce cash savings bonds?

Will Bank Of Commerce cash money orders?

Can Bank Of Commerce issue a money order?

Does Bank Of Commerce do currency exchange?

Background on The Bank

Who owns Bank Of Commerce?

How long has Bank Of Commerce been around?

Can Bank Of Commerce transfer to other banks?

Does Bank Of Commerce have quick pay?

Does Bank Of Commerce accept rolled coins?

Will Bank Of Commerce accept loose change?

Where is Bank Of Commerce headquarters?

Customer Reviews for Bank of Commerce

There are currently no comments for Bank of Commerce. Be the first to share your experience. Please provide comments that will help others.

Add Your Review

Rate it here →