| Metric | Bank of Commerce | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -6.3% | +4.4% | -10.7 pts |
| Deposit growth (YoY) | -3.8% | +4.0% | -7.8 pts |
| Loan growth (YoY) | -15.0% | +5.6% | -20.6 pts |
| ROA | 0.22% | 1.24% | -1.0 pts |
| ROE | 2.2% | 11.9% | -9.7 pts |
ROA ranks in the 6th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $334.0M | $294.0M | $222.6M | $34.3M | $378K | 0.22% | 3.67% | 1.87% |
| Q1 2026 | $340.7M | $299.6M | $225.6M | $34.7M | $87K | 0.10% | 3.57% | 1.47% |
| Q4 2025 | $351.9M | $305.7M | $241.6M | $34.7M | $1.9M | 0.53% | 3.84% | 1.51% |
| Q3 2025 | $357.4M | $307.8M | $253.8M | $34.9M | $2.0M | 0.74% | 3.46% | 2.27% |
| Q2 2025 | $356.4M | $305.7M | $261.8M | $33.9M | $981K | 0.54% | 3.36% | 2.20% |
| Q1 2025 | $361.3M | $307.9M | $263.2M | $33.1M | $116K | 0.13% | 3.38% | 2.47% |
| Q4 2024 | $369.8M | $318.3M | $275.3M | $33.0M | $3.2M | 0.89% | 3.47% | 2.17% |
| Q3 2024 | $382.1M | $325.7M | $278.1M | $34.3M | $3.0M | 1.13% | 3.34% | 1.13% |
Loan mix (Q2 2026): real estate $144.3M · commercial $42.1M · consumer $1.7M · securities $28.5M
| Ratio | Bank of Commerce | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.22% | 1.24% | 6th | |
Return on equity Annualized net income ÷ equity or net worth | 2.2% | 11.9% | 7th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.67% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 90.6% | 62.9% | 94th |
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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