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Overview / Commentary
600 East Main Street
Oak Grove, LA 71263

Commerce Community Bank is headquartered in Oak Grove and is the 120th largest bank in the state of Louisiana. It is also the 5,012th largest bank in the nation. It was established in 1999 and as of June of 2017, it had grown to 15 employees at 2 locations. Commerce Community Bank has a B+ health rating.

Reviews (1)

Commerce Community Bank

Commerce Community Bank is very small. The faces there are friendly. Because it's such a small bank, employees know you by name. Customer service is, what I would consider, their strength.
Commerce is not up on the latest products. Commerce website is pretty out of date and could use a major upgrade. Their monthly fee for a checking account is $6 and I believe that it is way too expensive. IT takes a while to get checks when you order them. Last time I ordered checks, I waited about 4 to five weeks to get them.
As far as checking accounts go, Commerce has been on point. Every time I have put in an overnight deposit, it has been deposited promptly the next morning. Because it's such a small bank, deposits are quickly put in. There is seldom a line to wait in. Any time I have any type of issue, they address it.
Overall, I'd give it a solid three to three and a half.

Additional Factors: Institutions with a small asset base, a short operating history, or negative return on equity can represent an instability risk beyond what their financial ratios indicate. Commerce Community Bank has a relatively low asset base.

Health Grade Components

FDIC Certificate #35019
Year Established1999
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.01%
Return on Equity - YTD10.94%
Annual Interest Income$1.3MM
Assets and Liabilities
AssetsQ2 2017vs Q2 2016$61.7MM$57.0MM
LoansQ2 2017vs Q2 2016$35.7MM$32.0MM
DepositsQ2 2017vs Q2 2016$54.6MM$50.7MM
Equity CapitalQ2 2017vs Q2 2016$5.9MM$6.0MM
Loan Loss AllowanceQ2 2017vs Q2 2016$300.00K$344.00K
Unbacked Noncurrent LoansQ2 2017vs Q2 2016$0$17.00K
Real Estate OwnedQ2 2017vs Q2 2016$0$0

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Commerce Community Bank Locations
The Eudora Bank Main Office Branch111 North Main StreetEudora, AR 71640
West Carroll Community Bank600 East Main StreetOak Grove, LA 71263