Radar›Companies›State Commercial Banks Stocks in USA: Prism Readiness Cohort 4
United States state commercial banks industry landscape illustrating listed-company operations, infrastructure and market activity
Prism Finance USA · comparison snapshot

State Commercial Banks Stocks in USA: Prism Readiness Cohort 4

A five-company state commercial banks cohort selected by Prism readiness, then compared across market path, filings, profitability, readiness, Prism attention and industry context.

Snapshot: 26 October 2026Not investment adviceRanked by Prism readiness
Readiness leaderBank Of The James · 36
Strongest available pathBank Of The James · +92.2%
Widest latest marginFirst Community Corporation · 2083.0%
Companies compared5 · U.S.-listed
01 · Readiness ranking

Five companies, one comparable score

Companies are ordered by the Fliar BI Prism readiness score used by the Prism Finance USA source pack. The score is a research signal, not a recommendation.

Readiness #1BOTJ · Nasdaq

Bank Of The James

A U.S.-listed issuer classified by the SEC in State Commercial Banks

Founded 1999Lynchburg, Virginia$136.3M market cap
View full Companies Radar profile
36Cautious
Snapshot price$29.99as of page date
Monthly-close return+92.2%five-year window
FY2025 revenue$0.00BBANK OF THE JAMES FINANCIAL GROUP INC
Net margin211.1%FY2025
P/E snapshot11.9xone ratio, not a verdict
Prism attention4.0%share across these five
Filing track recordRevenue, USD billions
+71.2%
$0$0.0B$0.0B$0.0BFY2021: $0.002BFY2022: $0.004BFY2023: $0.004BFY2024: $0.004BFY2025: $0.004B20212022202320242025
FY2021–FY2025 · 5 filing periods · TOTAL REVENUE · Normalized revenue metric from the in-house filings extraction · CAGR 14.4%
52-week position95% through range
$15.72$30.70
News mentions91
Community mentions0partial coverage
U.S.-scope patents0
Prism Insights

What sits behind the readiness signal

Observed risk 0/100higher means more observed risk
Earnings signal64/100
Management stability90/100
Market position0/100
Capital-event signal0/100
Innovation pulse0/100
Management signal

No leadership-churn flag in the model; 3 key-person events recorded in the latest 360-day window.

Market activity

Available history contains 0 M&A involvements, 0 asset-acquisition events and 0 contract events.

Innovation activity

Prism records 0 lifetime product-launch events, 0 in the latest 360 days, and 0 company announcements in that window.

Recent risk watch

No lawsuit or regulatory event is recorded in the latest 360-day window and no layoff event in the latest 180-day window. This is not legal clearance.

Prism model components and available company-event evidence; scores are research signals, not recommendations. Event totals describe available coverage and may not be exhaustive.

Readiness #2BFST · NASDAQ

Business First Bank

A U.S.-listed issuer classified by the SEC in State Commercial Banks

Founded 2006Baton Rouge$1.04B market cap
View full Companies Radar profile
36Cautious
Snapshot price$31.82as of page date
Monthly-close return+19.3%five-year window
FY2025 revenue$0.01BBusiness First Bancshares, Inc.
Net margin820.8%FY2025
P/E snapshot11.3xone ratio, not a verdict
Prism attention12.0%share across these five
Filing track recordRevenue, USD billions
+57.1%
$0$0.0B$0.0B$0.0BFY2021: $0.007BFY2022: $0.008BFY2023: $0.010BFY2024: $0.011BFY2025: $0.011B20212022202320242025
FY2021–FY2025 · 5 filing periods · TOTAL REVENUE · Normalized revenue metric from the in-house filings extraction · CAGR 12.0%
52-week position92% through range
$23.55$32.52
News mentions272
Community mentions0partial coverage
U.S.-scope patents0
Prism Insights

What sits behind the readiness signal

Observed risk 0/100higher means more observed risk
Earnings signal61/100
Management stability90/100
Market position5/100
Capital-event signal0/100
Innovation pulse0/100
Management signal

No leadership-churn flag in the model; 0 key-person events recorded in the latest 360-day window.

Market activity

Available history contains 2 M&A involvements, 0 asset-acquisition events and 0 contract events.

Innovation activity

Prism records 0 lifetime product-launch events, 0 in the latest 360 days, and 0 company announcements in that window.

Recent risk watch

No lawsuit or regulatory event is recorded in the latest 360-day window and no layoff event in the latest 180-day window. This is not legal clearance.

Prism model components and available company-event evidence; scores are research signals, not recommendations. Event totals describe available coverage and may not be exhaustive.

Readiness #3FCCO · Nasdaq

First Community Corporation

A U.S.-listed issuer classified by the SEC in State Commercial Banks

Founded 1995Columbia, South Carolina$310.2M market cap
View full Companies Radar profile
36Cautious
Snapshot price$33.00as of page date
Monthly-close return+64.0%five-year window
FY2025 revenue$0.00BFIRST COMMUNITY CORP /SC/
Net margin2083.0%FY2025
P/E snapshot11.5xone ratio, not a verdict
Prism attention4.5%share across these five
Filing track recordRevenue, USD billions
-5.6%
$0$0.0B$0.0B$0.0BFY2021: $0.001BFY2022: $0.001BFY2023: $0.001BFY2024: $0.001BFY2025: $0.001B20212022202320242025
FY2021–FY2025 · 5 filing periods · TOTAL REVENUE · Normalized revenue metric from the in-house filings extraction · CAGR -1.4%
52-week position71% through range
$26.42$35.74
News mentions103
Community mentions0partial coverage
U.S.-scope patents0
Prism Insights

What sits behind the readiness signal

Observed risk 0/100higher means more observed risk
Earnings signal50/100
Management stability90/100
Market position7/100
Capital-event signal15/100
Innovation pulse0/100
Management signal

No leadership-churn flag in the model; 0 key-person events recorded in the latest 360-day window.

Market activity

Available history contains 3 M&A involvements, 0 asset-acquisition events and 0 contract events.

Innovation activity

Prism records 0 lifetime product-launch events, 0 in the latest 360 days, and 0 company announcements in that window.

Recent risk watch

No lawsuit or regulatory event is recorded in the latest 360-day window and no layoff event in the latest 180-day window. This is not legal clearance.

Prism model components and available company-event evidence; scores are research signals, not recommendations. Event totals describe available coverage and may not be exhaustive.

Readiness #4MNSB · Nasdaq

MainStreet Bank

A U.S.-listed issuer classified by the SEC in State Commercial Banks

Founded 2004Fairfax, Virginia$151.1M market cap
View full Companies Radar profile
34Cautious
Snapshot price$21.22as of page date
Monthly-close return-15.1%five-year window
FY2025 revenue$0.00BMainStreet Bancshares, Inc.
Net margin714.9%FY2025
P/E snapshot10.4xone ratio, not a verdict
Prism attention19.9%share across these five
Filing track recordRevenue, USD billions
-9.8%
$0$0.0B$0.0B$0.0BFY2022: $0.002BFY2023: $0.002BFY2024: $0.002BFY2025: $0.002B2022202320242025
FY2022–FY2025 · 4 filing periods · TOTAL REVENUE · Normalized revenue metric from the in-house filings extraction · CAGR -3.4%
52-week position42% through range
$17.86$25.87
News mentions451
Community mentions0partial coverage
U.S.-scope patents0
Prism Insights

What sits behind the readiness signal

Observed risk 0/100higher means more observed risk
Earnings signal48/100
Management stability90/100
Market position10/100
Capital-event signal5/100
Innovation pulse0/100
Management signal

No leadership-churn flag in the model; 0 key-person events recorded in the latest 360-day window.

Market activity

Available history contains 7 M&A involvements, 0 asset-acquisition events and 2 contract events.

Innovation activity

Prism records 0 lifetime product-launch events, 0 in the latest 360 days, and 0 company announcements in that window.

Recent risk watch

No lawsuit or regulatory event is recorded in the latest 360-day window and no layoff event in the latest 180-day window. This is not legal clearance.

Prism model components and available company-event evidence; scores are research signals, not recommendations. Event totals describe available coverage and may not be exhaustive.

Readiness #5MCB · U.S. exchange

Metropolitan Commercial Bank

A U.S.-listed issuer classified by the SEC in State Commercial Banks

Founded 1999New York City, New York$1.21B market cap
View full Companies Radar profile
25Avoid
Snapshot price$97.41as of page date
Monthly-close return+7.2%five-year window
FY2025 revenue$0.01BMetropolitan Bank Holding Corp.
Net margin643.2%FY2025
P/E snapshot10.1xone ratio, not a verdict
Prism attention59.6%share across these five
Filing track recordRevenue, USD billions
-52.3%
$0$0.0B$0.0B$0.0BFY2021: $0.023BFY2022: $0.027BFY2023: $0.028BFY2024: $0.024BFY2025: $0.011B20212022202320242025
FY2021–FY2025 · 5 filing periods · TOTAL REVENUE · Normalized revenue metric from the in-house filings extraction · CAGR -16.9%
52-week position88% through range
$64.66$102.0
News mentions1.3K
Community mentions0partial coverage
U.S.-scope patents0
Prism Insights

What sits behind the readiness signal

Observed risk 10/100higher means more observed risk
Earnings signal40/100
Management stability90/100
Market position0/100
Capital-event signal0/100
Innovation pulse0/100
Management signal

No leadership-churn flag in the model; 3 key-person events recorded in the latest 360-day window.

Market activity

Available history contains 0 M&A involvements, 0 asset-acquisition events and 3 contract events.

Innovation activity

Prism records 0 lifetime product-launch events, 0 in the latest 360 days, and 0 company announcements in that window.

Recent risk watch

Recent available records contain 0 lawsuit, 4 regulatory and 0 layoff events across their stated windows.

Prism model components and available company-event evidence; scores are research signals, not recommendations. Event totals describe available coverage and may not be exhaustive.

02 · Side-by-side

The comparisons that change the picture

Every bar preserves its own meaning. Price return, revenue scale, profitability and attention are deliberately not blended into one recommendation.

Available monthly-close return

Dated window printed on each company card; not a forecast.

Bank Of The James
+92.2%
First Community Corporation
+64.0%
Business First Bank
+19.3%
Metropolitan Commercial Bank
+7.2%
MainStreet Bank
-15.1%

Latest revenue

USD billions, official filing scope shown on each company card.

Business First Bank
$0.01B
Metropolitan Commercial Bank
$0.01B
Bank Of The James
$0.00B
MainStreet Bank
$0.00B
First Community Corporation
$0.00B

Latest profit margin

Company-card labels distinguish continuing-operations and net-income scope.

First Community Corporation
2083.0%
Business First Bank
820.8%
MainStreet Bank
714.9%
Metropolitan Commercial Bank
643.2%
Bank Of The James
211.1%

Prism news attention

Normalized share across these five names; attention is not quality.

Metropolitan Commercial Bank
59.6%
MainStreet Bank
19.9%
Business First Bank
12.0%
First Community Corporation
4.5%
Bank Of The James
4.0%
03 · Prism readout

What the signals say—and what they do not

The headline share is normalized state commercial banks news attention across these five names. Partial community coverage and U.S.-scope patent records are displayed separately and are not blended into it.

Scale + attention

Metropolitan Commercial Bank leads the conversation

It holds 59.6% of measured state commercial banks news attention and also carries the basket's largest revenue base at $0.01B.

Price path

Bank Of The James leads the available price paths

Its monthly-close return is +92.2% for the five-year window. At the other end, MainStreet Bank is -15.1% for its five-year window. Windows printed on each card must be compared carefully; price history is not a forecast.

Profitability

First Community Corporation has the widest latest margin

Its FY2025 net margin is 2083.0%. Its revenue history in this snapshot spans only the periods printed on its card, so longer histories are not treated as equivalent.

Price vs operating signals

Metropolitan Commercial Bank shows why one ratio is not a verdict

It has the basket's lowest snapshot P/E at 10.1x while its five-year window price return is +7.2%. Valuation, price path and readiness answer different questions.

04 · Research areas

Deeper Prism readout where coverage is dense

Shown only for companies with more than 800 available Prism news records. Counts describe the available research corpus, not company quality.

Areas of research · MCB

Metropolitan Commercial Bank

1,347available Prism news records

Prism top themes

Price action & investor response
56
Earnings & financial performance
52
Capital allocation & transactions
29
Leadership & governance
11
Macro demand & rates
10

Mapped subcategory tag occurrences; one article may contribute more than one tag. Since 2024-01-01.

News-volume growth

+15.7%162 latest 12m vs 140 prior 12m
2024-01: 11 mentions2024-02: 3 mentions2024-03: 11 mentions2024-04: 11 mentions2024-05: 6 mentions2024-06: 13 mentions2024-07: 9 mentions2024-08: 17 mentions2024-09: 7 mentions2024-10: 17 mentions2024-11: 4 mentions2024-12: 8 mentions2025-01: 27 mentions2025-02: 7 mentions2025-03: 6 mentions2025-04: 21 mentions2025-05: 8 mentions2025-06: 9 mentions2025-07: 4 mentions2025-08: 19 mentions2025-09: 19 mentions2025-10: 4 mentions2025-11: 1 mentions2025-12: 4 mentions2026-01: 21 mentions2026-02: 14 mentions2026-03: 18 mentions2026-04: 40 mentions2026-05: 14 mentions2026-06: 4 mentions2024-012026-06

Machine-classified coverage tone

81.2% positive-9.4 pp vs preceding four quarters
24Q3
24Q4
25Q1
25Q2
25Q3
25Q4
26Q1
26Q2

Tone of available coverage, not business performance or an investment outlook.

Frequent keywords

predictive banking 18financial report 18digital banking innovations 17next-gen banking platforms 17stock performance 16cloud-based banking 16platform banking 16quarterly financials 15

Keyword tag occurrences in available Prism news records.

Coverage: 2014-10-10–2026-06-16 · trend and themes shown through 2026-06
05 · Community discussion

Common topics where conversation clears the gate

Shown only above 25 entity-matched mentions. Coverage is partial and topic counts exclude identified namesake noise.

06 · Company event log

Common news types and recent highlights

Event patterns and selected recent headlines come from available Prism company-event records since 2023. Obvious forecast, holdings, duplicate and retrospective noise is filtered.

BOTJ

Bank Of The James

through 2026-05-09
Earnings releases 24Asset acquisitions 4Leadership changes 3
  1. Asset acquisitions

    Krilogy Financial LLC acquired a new position in shares of Bank of the James Financial Group in the 3rd quarter valued at $568,000.

  2. Earnings releases

    Fourth quarter net income was $2.72 million, compared to $1.62 million in the fourth quarter of 2024.

  3. Leadership changes

    Bank of the James Financial Group, Inc. (the "Company") (NASDAQ: BOTJ), the parent company of Bank of the James (the "Bank"), today announced the retirement of J. Todd Scruggs from the Boards of Directors of the Company and the Bank and from his executive roles, effective January 5, 2026.

Prism company-event records; exact duplicates and evident forecast, holdings and retrospective noise are excluded.

BFST

Business First Bank

through 2026-04-02
Leadership changes 3Earnings releases 1
  1. Leadership changes

    b1BANK announced that Ben Marmande has joined the organization as director of corporate banking.

  2. Earnings releases

    In the third quarter we again delivered solid fundamental shareholder-oriented operating performance, said b1BANK President & CEO Jude Melville.

  3. Leadership changes

    b1BANK, the banking subsidiary of Business First Bancshares, Inc. (Nasdaq: BFST), announced today that N. Jerome “Jerry” Vascocu Jr. will be the bank’s new president, reporting to Jude Melville, who will retain the title of chairman and CEO.

Prism company-event records; exact duplicates and evident forecast, holdings and retrospective noise are excluded.

FCCO

First Community Corporation

through 2026-04-22
Earnings releases 20M&A 2
  1. Earnings releases

    First Community reported net income for the first quarter of 2026 of $5.498 million with diluted earnings per common share of $0.59.

  2. M&A

    First Community Corporation (Nasdaq: FCCO) (the "Company" or "First Community"), the holding company for First Community Bank, announced today the closing of its acquisition of Signature Bank of Georgia ("Signature Bank"), effective January 8, 2026 (the "Merger").

  3. Earnings releases

    First Community Corporation delivered FY25 adjusted net income of $20.35 million, up 46 percent year over year, with EPS of $2.62.

Prism company-event records; exact duplicates and evident forecast, holdings and retrospective noise are excluded.

MNSB

MainStreet Bank

through 2026-04-22
Earnings releases 3Leadership changes 2
  1. Earnings releases

    He reported earnings per share of $0.48

  2. Leadership changes

    Andrew Stoutenburgh has joined the $1.9 billion-asset community bank as Senior Vice President and Chief Technology Officer.

  3. Earnings releases

    Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio MainStreet Bank $135.62 million 1.28 $15.61 million $1.76 12.77

Prism company-event records; exact duplicates and evident forecast, holdings and retrospective noise are excluded.

MCB

Metropolitan Commercial Bank

through 2026-05-18
Leadership changes 7Business contracts 3Regulatory 3
  1. Leadership changes

    Metropolitan Commercial Bank (“MCB” or the “Bank”) announced its West Coast expansion with the appointment of Robert Hasler as Senior Vice President and Managing Director of Specialty Deposits.

  2. Regulatory

    The Federal Reserve has terminated consent orders against Goldman Sachs and Metropolitan Commercial Bank, closing enforcement actions involving Goldman’s alleged role in the 1MDB scandal and MCB’s allegedly fraud-ridden MovoCash prepaid card program.

  3. Business contracts

    Automated Financial Systems, Inc. (AFS) announced that Metropolitan Commercial Bank (the “Bank”), is the latest bank to choose AFSVision as their modern commercial lending platform.

Prism company-event records; exact duplicates and evident forecast, holdings and retrospective noise are excluded.

07 · Industry landscape

State Commercial Banks Industry in USA

A bottom-of-page sector lens combining Prism's exact U.S. market-growth extraction with tightly matched U.S.-primary state commercial banks news. It adds context to the stock basket without turning industry signals into a recommendation.

Prism market forecast extraction

banking market

6 sources90.6% extraction confidence
2024 extracted base$35.41B
2035 extracted forecast$57.77B
Implied source CAGR4.5%
personalized experiencesincreased securityincreased use of AI

Multi-source card returned by Prism's /special_extraction market-growth service. Extracted geography mix: Global, Europe, U.S., United States. This is a dated market benchmark, not a forecast for the five-stock basket.

Prism news insights

U.S. State Commercial Banks news pulse

2,154,949available Prism news records
Latest 12m volume+12.3%949871 vs 845911 records
Positive classified tone47.5%+0.0 pp vs prior four quarters
2024-01: 86,752 mentions2024-02: 72,582 mentions2024-03: 65,099 mentions2024-04: 73,016 mentions2024-05: 61,718 mentions2024-06: 56,090 mentions2024-07: 54,226 mentions2024-08: 42,742 mentions2024-09: 39,844 mentions2024-10: 66,657 mentions2024-11: 71,721 mentions2024-12: 65,941 mentions2025-01: 80,997 mentions2025-02: 93,513 mentions2025-03: 96,037 mentions2025-04: 120,076 mentions2025-05: 58,067 mentions2025-06: 24,527 mentions2025-07: 242,515 mentions2025-08: 345,318 mentions2025-09: 145,414 mentions2025-10: 19,601 mentions2025-11: 14,261 mentions2025-12: 14,496 mentions2026-01: 15,459 mentions2026-02: 29,267 mentions2026-03: 29,122 mentions2026-04: 66,595 mentions2026-05: 3,296 mentions2024-012026-05
25Q1
25Q2
25Q3
25Q4
26Q1
26Q2
26Q3
26Q4

Available U.S.-primary Prism records matching bank, commercial, state, banking. Metadata counts can overlap; coverage volume and tone are not measures of industry output.

Recurring Prism themes

administrative and political subdivisions
1,888,343
geographic naming conventions and etymology
57,813
central bank monetary policy announcements
22,879
interest rate decisions and impacts
22,866
controversial celebrity statements
21,530
federal reserve policy meeting summaries
19,654

Metadata occurrences; one record can contribute more than one theme.

Frequent industry keywords

states 1,888,383territories 1,888,248monetary easing 12,254monetary stance shift 11,803core inflation rate 10,158inflation outlook 8,595inflation breakdown 8,091state firearm statutes 7,758

Counts cover the matched industry corpus, not the broader company-news totals above.

Curated signal map

Opportunity and caution, side by side

Evidence prompts—not probabilities.

Opportunity · market driver

personalized experiences

6 forecast sources

A recurring driver in the extracted market evidence provides a measurable research thread for the sector.

Prism /special_extraction market-growth card
Opportunity · demand

administrative and political subdivisions

1,888,343 matched theme records

The largest current Prism news theme shows where sector attention and reported activity are concentrating.

Prism U.S. news metadata
Opportunity · innovation

Innovation and product activity

13,972 matched news records

Technology, product and R&D metadata provide an auditable view of the sector's innovation conversation.

Unique news records matching the curated innovation rule
Caution · market restraint

Economic-cycle exposure

65,900 macro/risk records

The extracted restraint and the measured macro-news pulse belong in the downside research frame.

Prism market-growth restraint plus U.S. news metadata
Caution · news pulse

Coverage growth can reverse

+12.3% news volume

The latest 12 months contain 949,871 matched records versus 845,911 in the previous window.

Available Prism coverage through 2026-05-28
Caution · sentiment

Classified tone is not demand

47.5% positive · +0.0pp

Machine-classified news tone is useful context, but it is not revenue, output or a return forecast.

Eight-quarter Prism sentiment series

Opportunity and caution cards are curated research prompts grounded in the counts shown; they are not probabilities, recommendations or forecasts. News coverage runs 2024-01-01–2026-05-28; the latest quarter may be partial.

Explore the broader U.S. industrial landscape →
08 · Scope and sources

How to read this snapshot

Basket and ranking

Five U.S.-listed issuers classified under SEC SIC 6022 (State Commercial Banks), selected as the first five names that pass all live publication gates from the Prism readiness candidate pool ranked 16–22. Every candidate has complete cached readiness evidence. This is a research cohort, not a recommendation.

Companies are ordered by the Fliar BI Prism readiness score used by the Prism Finance USA source pack. The score is a research signal, not a recommendation.

Evidence used

  • Official annual filingsFY revenue history and latest profitability
  • U.S. exchange market snapshotDated price, 52-week range, P/E, market capitalisation and monthly-close return
  • Fliar BI PrismReadiness, company and industry news, community context and U.S.-scope patent records
  • Prism market-growth extractionDated third-party State Commercial Banks Industry in USA market benchmark with source-count, geography and confidence context
Important: Research and educational information only. Not investment advice, a recommendation, or a live-price service. Market figures are dated as of 26 October 2026.
09 · Final derived analysis

Conclusions, comparisons, anomalies, explanations and decisions

A final evidence-linked synthesis of the metrics already displayed above. Every named company opens its actual Companies Radar profile.

Conclusions
Comparisons
Anomalies

First Community Corporation shows a price-operating divergence to inspect

Its displayed filing-revenue change is -5.6% while its available monthly-close return is +64.0%. The signs differ, but the two measures cover different windows and do not establish causality.

Open First Community Corporation in Companies Radar
Explanations

Attention measures coverage volume, not quality

Metropolitan Commercial Bank's 59.6% share says it appears most often in the matched Prism corpus. It does not score whether that coverage is favourable or whether the company is investable.

Open Metropolitan Commercial Bank in Companies Radar

Different windows explain why signals can disagree

Revenue comes from the printed filing periods, price paths use the dated monthly-close windows, and Prism signals use their stated event windows. No causal attribution is made across them.

Research decisions

Verify the readiness leader in Companies Radar

Open Bank Of The James's company profile and inspect the underlying management, market-activity, innovation and risk evidence before relying on the 36/100 score.

Open Bank Of The James in Companies Radar
Method boundary: These are deterministic comparisons of the displayed snapshot fields. They flag relationships for further research, do not establish causality and are not investment recommendations.
Coming soon