| Metric | Bank of Commerce | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.0% | +4.4% | +1.6 pts |
| Deposit growth (YoY) | +5.4% | +4.0% | +1.5 pts |
| Loan growth (YoY) | +5.6% | +5.6% | +0.0 pts |
| ROA | 1.46% | 1.24% | +0.2 pts |
| ROE | 15.3% | 11.9% | +3.4 pts |
ROA ranks in the 64th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $497.5M | $439.3M | $330.3M | $47.9M | $3.6M | 1.46% | 3.70% | 0.03% |
| Q1 2026 | $500.7M | $442.0M | $324.7M | $47.3M | $1.6M | 1.32% | 3.65% | 0.01% |
| Q4 2025 | $484.2M | $431.3M | $317.1M | $46.2M | $5.9M | 1.26% | 3.61% | 0.00% |
| Q3 2025 | $464.6M | $411.8M | $306.1M | $46.1M | $4.6M | 1.31% | 3.60% | 0.00% |
| Q2 2025 | $469.5M | $416.6M | $312.7M | $44.9M | $3.0M | 1.30% | 3.57% | 0.03% |
| Q1 2025 | $470.3M | $418.5M | $306.6M | $44.3M | $1.5M | 1.33% | 3.55% | 0.03% |
| Q4 2024 | $454.6M | $403.5M | $294.0M | $43.2M | $5.1M | 1.12% | 3.40% | 0.03% |
| Q3 2024 | $442.7M | $390.6M | $294.7M | $43.1M | $3.8M | 1.11% | 3.39% | 0.04% |
Loan mix (Q2 2026): real estate $224.8M · commercial $38.0M · consumer $10.7M · securities $119.0M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Bank of Commerce | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.46% | 1.24% | 64th | |
Return on equity Annualized net income ÷ equity or net worth | 15.3% | 11.9% | 69th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.70% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 62.3% | 62.9% | 49th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Bank of Commerce | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Bank of Commerce | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Bank of Commerce | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Bank of Commerce | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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