At a glance
From its website, read 2 Nov 2026Commerce Bancorp, Inc. is a bank holding company based in Greenwood, Mississippi. Its website describes farm loans, auto loans, credit-builder loans and 4 other loan types. It says it considers borrowers with low or no credit history. You can start an application online.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Lending | (662) 371-0483 source |
|---|---|
| Main | (662) 453-4220 source |
| Phone | (662) 453-4142 source |
| mortgage@bankcom.com source | |
| Apply online | Page with the application link |
| Website | www.bankcom.com |
| Office (official list) | 310 Howard Street, Greenwood, MS 38930 |
What their website says about applying
online or visit one of our local branches.
sourceContact Henry, our friendly mortgage team, or your local branch for a one-on-one consultation.
sourceBOC Mortgage page and complete an application
source
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Who qualifies, in their words
- Low or damaged credit considered
The Fresh Start Loan and Deposit Program is for individuals who would like the opportunity to build a good credit record or to repair their credit record
source
Only rules the lender's own pages state. Other requirements may apply.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Bank holding company |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 15 Jan 2026 |
| RSSD ID | 2770660 |
| Address | 310 Howard Street, Greenwood, MS 38930 Directions (Google Maps) |
| Website | www.bankcom.com |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Verified from lender site on 2 Nov 2026Read from 7 pages of the lender's website on 2 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: medium. No loan amounts or lending geography were stated on the pages fetched; the Fresh Start program directs applicants to a phone contact. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Agriculture / farm loans | — | a variety of agricultural loans that can help local | source |
| Auto / vehicle loans | — | We provide auto loans for the purchase of new cars and trucks. | source |
| Credit-builder loans | — | The Fresh Start Loan and Deposit Program is for individuals who would like the opportunity to build a good credit record | source |
| Home repair / improvement loans | — | From remodeling to home additions, we can help you achieve your house goals. | source |
| Home mortgages | — | Let us help you get a home of your own with fast service, convenient terms and low closing costs. | source |
| Personal / consumer loans | — | Personal loans are available on a secured and unsecured basis. | source |
| Small-business loans | — | We take pride in providing this service to individuals, business corporations, partnerships and other commercial enterprises. | source |
Loan sizes
No amounts stated on the pages we read.
Service area
Not stated on the pages we read.
Borrower focus
- Not stated on the pages we read.
Languages
- No non-English service found on the pages we read.
Online application
Yes — the site links to an application. page and complete an application
source
Pages read (7)
Questions to ask when you contact them
Based on what their website said when we read it on 2 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.
- Do you lend where I live, or where my business is?
Their website does not say which area they serve. - What are the smallest and the largest loans you make?
No loan amounts are stated on their website. - What is the APR, including fees, on your auto loans and credit-builder loans?
Their website does not state an APR. The APR includes fees, so it is the number to compare. - What interest rate and fees should I expect on your farm loans and small-business loans?
Their website does not state a rate for this. - Do you need collateral, a business plan or a minimum time in business?
Their website does not say what they require. - How long can I take to repay?
No repayment terms are stated on their website. - What documents will you need from me, and how long does a decision usually take?
Their website describes some application steps (above); ask for the full document list.
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
CDFI Fund awards
CDFI Fund database, 3 Nov 2026$5.5 million in 6 awards from the U.S. Treasury's CDFI Fund, 2017–2024 (CDFI Program, Financial Assistance).
| Round year | Program | Amount |
|---|---|---|
| 2024 | CDFI Program, Financial Assistance | $1,285,000 |
| 2021 | CDFI Program, Financial Assistance | $701,530 |
| 2020 | CDFI Program, Financial Assistance | $887,500 |
| 2019 | CDFI Program, Financial Assistance | $799,000 |
| 2018 | CDFI Program, Financial Assistance | $950,000 |
| 2017 | CDFI Program, Financial Assistance | $916,905 |
Emergency Capital Investment Program (ECIP)
Treasury invested $70 million in this institution under ECIP, by buying preferred stock or subordinated debt (an investment, not a grant; it is not counted in the award total). ECIP type on the list: CDFI. Source: U.S. Treasury ECIP participant list (last updated Mar 2025), downloaded 3 Nov 2026.
These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.
Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Matched to the official CDFI list by exact name and state; see the method on the About page.
Branches and size
FDIC, 30 Jun 2026Subsidiary bank on file with the FDIC: Bank of Commerce (FDIC cert 9359, total assets $1.1 billion). Source: FDIC BankFind Suite (public data): total assets from the Call Report as of 30 Jun 2026; office list as of 30 Oct 2026, downloaded 3 Nov 2026.
| Total assets | $1.1 billion (as of 30 Jun 2026) |
|---|---|
| Offices | 16 (as of 30 Oct 2026) |
Offices by state and county (16)
Mississippi (16 offices)
- Attala County (1): 439 Mississippi Highway 12, Kosciusko 39090
- Carroll County (2): 106 E Main St, North Carrollton 38947; 407 Lee St, Vaiden 39176
- Clay County (1): 5549 Highway 45 Alt S, West Point 39773
- Holmes County (3): 124 Montague St, Goodman 39079; 316 Court Sq, Lexington 39095; 24857 Highway 51, West 39192
- Lafayette County (1): 1610 Jackson Ave W, Oxford 38655
- Leflore County (2): 310 Howard St, Greenwood 38930 (main office); 905 W Park Ave, Greenwood 38930
- Lowndes County (2): 3601 Bluecutt Road, Columbus 39705; 427 Main St, Columbus 39701
- Oktibbeha County (2): 315 University Dr, Starkville 39759; 818 Highway 12 W, Starkville 39759
- Scott County (1): 366 S Fourth St, Morton 39117
- Tallahatchie County (1): 167 Court Sq, Charleston 38921
An office shows where the lender has a branch, not where it lends or whom it lends to.
What the regulator filing shows
Call Report, 30 Jun 2026A bank holding company files no Call Report of its own. These figures are from its subsidiary bank, Bank of Commerce (RSSD 99442, FDIC cert 9359), the only active bank the FDIC lists under this holding company. Source: FFIEC Central Data Repository, bulk Call Report data (public data), report date 30 Jun 2026; year-earlier figures from the 30 Jun 2025 report; downloaded 4 Nov 2026. Schedules RC-C Parts I and II, dollar amounts filed in thousands.
| Total loans and leases | $654.8 million (as of 30 Jun 2026, net of unearned income) |
|---|---|
| Change over the year | Up 23.0% from $532.3 million on 30 Jun 2025 |
| Total assets | $1.13 billion (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| Home mortgages (1-4 family, closed-end) | $220.8 million | 33.7% |
| Home equity lines of credit | $18.3 million | 2.8% |
| Commercial real estate, construction and multifamily | $125.3 million | 19.1% |
| Commercial and industrial (business) loans | $68.9 million | 10.5% |
| Farmland and farm production loans | $183.5 million | 28.0% |
| Consumer loans (credit cards, auto, other) | $20.6 million | 3.1% |
| All other loans and leases | $17.3 million | 2.6% |
Within consumer loans: auto loans $7.9 million, credit cards $13,000.
Small business loans (original amount $1 million or less, balances on 30 Jun 2026)
| Original loan amount | Secured by business property | Commercial and industrial |
|---|---|---|
| Up to $100,000 | 128 loans $5.4 million | 935 loans $21.7 million |
| $100,001 to $250,000 | 119 loans $15.4 million | 147 loans $13.8 million |
| $250,001 to $1 million | 87 loans $35.4 million | 92 loans $24.9 million |
| All small business loans | 334 loans $56.1 million | 1,174 loans $60.5 million |
Small farm loans (original amount $500,000 or less, balances on 30 Jun 2026)
| Original loan amount | Secured by farmland | Farm production |
|---|---|---|
| Up to $100,000 | 218 loans $8.1 million | 53 loans $1.1 million |
| $100,001 to $250,000 | 124 loans $15.8 million | 19 loans $1.9 million |
| $250,001 to $500,000 | 73 loans $21 million | 18 loans $4.4 million |
| All small farm loans | 415 loans $44.9 million | 90 loans $7.5 million |
Balances are loans outstanding on the report date, not loans made during the year, and they include loans the bank bought. Shares are of gross loans and leases. The change over the year includes loans gained through mergers or bought from others. A category with no balance does not mean the bank never makes that kind of loan; ask the bank.
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Total assets (Call Report, 30 Jun 2026) | $1.13 billion | Larger than 77% of the 82 other certified banks and bank holding companies in Mississippi (median $408.8 million). |
| Loans as a share of assets | 58% | Median of the same 82 banks and bank holding companies: 62%. A higher share means more of its balance sheet is lent out. |
| Loans held, 30 Jun 2025 → 30 Jun 2026 | $532.3 million → $654.8 million (+23%) | Median change of 82 other certified banks and bank holding companies in Mississippi: +8%. Rank by loans held among these 83: 19 → 19. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Call Report total assets | other certified banks and bank holding companies in Mississippi | 82 | larger than 77% |
| Loans held then vs now | certified banks and bank holding companies in Mississippi reporting both dates | 82 | rank 19 → 19 of 83 |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered. Peer groups and sources: methodology. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section).
SBA loans approved
SBA data as of 30 Sep 2026SBA loan data names this holding company's bank, not the holding company. Its subsidiary Bank of Commerce is certified separately and shows its SBA 7(a) and 504 approvals for FY2020–FY2026 on its own page.
Source: U.S. Small Business Administration, 7(a) & 504 FOIA loan data, files as of 30 Sep 2026, downloaded 3 Nov 2026. Our counts, cancelled approvals left out. How we match lenders.
Other certified CDFIs in Greenwood and Mississippi
- Bank of CommerceBank or thrift · Greenwood, MSAgriculture / farm loans, Auto / vehicle loans, Credit-builder loans, Home repair / improvement loans…Verified
- BANK OF BROOKHAVENBank or thrift · Brookhaven, MSAuto / vehicle loans, Home repair / improvement loans, Home mortgages, Small-business loansVerified
- BANKPLUSBank or thrift · Belzoni, MSCredit-builder loans, Home mortgages, Personal / consumer loans, Small-business loansVerified
- Bancorp Of Okolona, INcBank holding company · Okolona, MSVerified
- Bank of AnguillaBank or thrift · Anguilla, MSAgriculture / farm loans, Auto / vehicle loans, Commercial real estate loans, Equipment loans…Verified
- Bank of ForestBank or thrift · Forest, MSHome repair / improvement loans, Home mortgages, Personal / consumer loansVerified
Work at Commerce Bancorp, Inc.? Link to this page
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