At a glance
From its website, read 2 Nov 2026The Commercial Bank, Kemper County DeKalb, Mississippi is a bank or thrift based in DeKalb, Mississippi. Its website describes auto loans, equipment loans, home repair loans and 3 other loan types. Where it lends: East Mississippi.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Main | (601) 743-5871 source |
|---|---|
| Phone | (601) 485-5500 source |
| Website | www.commercialbankms.com |
| Office (official list) | P.O. Box 217, DeKalb, MS 39328 |
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Bank or thrift |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 9 Jun 2026 |
| RSSD ID | 700430 |
| Address | P.O. Box 217, DeKalb, MS 39328 Directions to the main office (Google Maps) |
| Website | www.commercialbankms.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 2 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, eligibility groups, or online loan application link were stated on the pages fetched. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Auto / vehicle loans | — | New and Used Autos | source |
| Equipment loans | — | Equipment & Machinery | source |
| Home repair / improvement loans | — | Home Improvement Loans | source |
| Home mortgages | — | Mortgage & Real Estate Loans | source |
| Personal / consumer loans | — | The Commercial Bank offers a wide variety of personal loans to help you obtain your life goals. | source |
| Small-business loans | — | Let the Commercial Bank lenders customize a loan the meets your business' unique needs. | source |
Loan sizes
No amounts 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
No online application link found on the pages we read.
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.
- 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 home repair 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 equipment loans and small-business loans?
Their website does not state a rate for this. - Is there a minimum credit score, and do you consider borrowers with little or no credit history?
Their website does not say what credit history they accept. - 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?
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$8.5 million in 11 awards from the U.S. Treasury's CDFI Fund, 2015–2024 (Bank Enterprise Award Program; CDFI Equitable Recovery Program; CDFI Rapid Response Program).
| Round year | Program | Amount |
|---|---|---|
| 2024 | Bank Enterprise Award Program | $280,369 |
| 2023 | Bank Enterprise Award Program | $437,350 |
| 2022 | CDFI Equitable Recovery Program | $4,337,968 |
| 2021 | Bank Enterprise Award Program | $170,699 |
| 2021 | CDFI Rapid Response Program | $1,826,265 |
| 2020 | Bank Enterprise Award Program | $202,898 |
| 2019 | Bank Enterprise Award Program | $245,547 |
| 2018 | Bank Enterprise Award Program | $233,244 |
| 2017 | Bank Enterprise Award Program | $233,389 |
| 2016 | Bank Enterprise Award Program | $227,282 |
| 2015 | Bank Enterprise Award Program | $265,496 |
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 2026On file with the FDIC as The Commercial Bank (FDIC cert 9356). 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 | $295.5 million (as of 30 Jun 2026) |
|---|---|
| Offices | 5 (as of 30 Oct 2026) |
Offices by state and county (5)
Mississippi (5 offices)
- Kemper County (1): 175 Hopper Ave, De Kalb 39328 (main office)
- Lauderdale County (3): Highway 19 North, Collinsville 39325; 1101 22nd Ave, Meridian 39301; 7591 Highway 39, Meridian 39305
- Neshoba County (1): 206 Lewis Ave S, Philadelphia 39350
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 2026Figures from the Call Report filed by The Commercial Bank (RSSD 700430, FDIC cert 9356). 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 | $170.9 million (as of 30 Jun 2026, net of unearned income) |
|---|---|
| Change over the year | Up 22.1% from $139.9 million on 30 Jun 2025 |
| Total assets | $295.5 million (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| Home mortgages (1-4 family, closed-end) | $29.9 million | 17.5% |
| Home equity lines of credit | $3 million | 1.7% |
| Commercial real estate, construction and multifamily | $66.3 million | 38.8% |
| Commercial and industrial (business) loans | $56.8 million | 33.2% |
| Farmland and farm production loans | $3.4 million | 2.0% |
| Consumer loans (credit cards, auto, other) | $10.9 million | 6.4% |
| All other loans and leases | $577,000 | 0.3% |
Within consumer loans: auto loans $8.1 million.
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 | 16 loans $742,000 | 183 loans $6.4 million |
| $100,001 to $250,000 | 17 loans $2.2 million | 141 loans $20.6 million |
| $250,001 to $1 million | 29 loans $13.4 million | 39 loans $10.6 million |
| All small business loans | 62 loans $16.4 million | 363 loans $37.6 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 | 2 loans $158,000 | 1 loan $5,000 |
| $100,001 to $250,000 | 2 loans $167,000 | none reported |
| $250,001 to $500,000 | none reported | none reported |
| All small farm loans | 4 loans $325,000 | 1 loan $5,000 |
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 |
|---|---|---|
| SBA approvals, FY2023–24 → FY2025–26 | 2 → 4 | Rank among the 16 certified CDFIs in Mississippi with SBA approvals in either period: 11 → 9. |
| Total assets (Call Report, 30 Jun 2026) | $295.5 million | Larger than 23% of the 82 other certified banks and bank holding companies in Mississippi (median $427 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 | $139.9 million → $170.9 million (+22%) | Median change of 82 other certified banks and bank holding companies in Mississippi: +8%. Rank by loans held among these 83: 65 → 59. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| SBA approvals then vs now | certified CDFIs in Mississippi with SBA approvals FY2023–2026 | 15 | rank 11 → 9 of 16 |
| Call Report total assets | other certified banks and bank holding companies in Mississippi | 82 | larger than 23% |
| Loans held then vs now | certified banks and bank holding companies in Mississippi reporting both dates | 82 | rank 65 → 59 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; your rate depends on the loan and on the lender's review. Peer groups and sources: methodology. SBA 7(a) & 504 FOIA data as of 30 Sep 2026. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section).
SBA loans approved
SBA data as of 30 Sep 2026The SBA's public loan data lists 6 SBA-backed approvals for The Commercial Bank, Kemper County DeKalb, Mississippi in fiscal years 2020–2026 (October 2019 to September 2026):
- 6 7(a) loans as the lender: $2M in total (gross amount approved), median $85,550
By fiscal year: FY2020 0 · FY2021 0 · FY2022 0 · FY2023 0 · FY2024 2 · FY2025 0 · FY2026 4.
By program
- 7(a) standard (6, 100%)
How this lender was matched in the SBA files: FDIC cert 9356, found through the RSSD ID on the CDFI Fund list (SBA lists “The Commercial Bank”).
Approved is not the same as paid out: an approved loan can be reduced or never drawn. SBA lists the lender each loan is currently assigned to, which can differ after a merger or loan sale. The Commercial Bank, Kemper County DeKalb, Mississippi may also make loans outside SBA programs, which are not counted here, and SBA Microloans are not in these files.
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 DeKalb and Mississippi
- Commercial Capital CorpBank holding company · DeKalb, MSAuto / vehicle loans, Equipment loans, Home repair / improvement loans, Home mortgages…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 CommerceBank or thrift · Greenwood, MSAgriculture / farm loans, Auto / vehicle loans, Credit-builder loans, Home repair / improvement loans…Verified
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