| Metric | Bank of Commerce | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.4% | +4.4% | +5.0 pts |
| Deposit growth (YoY) | +8.1% | +4.0% | +4.2 pts |
| Loan growth (YoY) | +7.3% | +5.6% | +1.7 pts |
| ROA | 1.41% | 1.24% | +0.2 pts |
| ROE | 14.1% | 11.9% | +2.3 pts |
ROA ranks in the 61st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $216.3M | $189.3M | $113.7M | $21.8M | $1.5M | 1.41% | 4.14% | 0.01% |
| Q1 2026 | $213.9M | $191.0M | $110.8M | $21.6M | $687K | 1.29% | 4.03% | 0.01% |
| Q4 2025 | $212.6M | $190.6M | $107.1M | $20.9M | $2.7M | 1.33% | 4.16% | 0.01% |
| Q3 2025 | $208.0M | $186.2M | $110.8M | $20.6M | $2.0M | 1.34% | 4.09% | 0.00% |
| Q2 2025 | $197.7M | $175.1M | $106.0M | $18.6M | $1.3M | 1.31% | 4.09% | 0.00% |
| Q1 2025 | $197.8M | $178.1M | $103.5M | $18.6M | $618K | 1.24% | 4.01% | 0.00% |
| Q4 2024 | $201.5M | $183.4M | $100.7M | $17.2M | $2.2M | 1.13% | 3.74% | 0.00% |
| Q3 2024 | $196.6M | $176.9M | $101.2M | $18.7M | $1.5M | 1.03% | 3.67% | 0.00% |
Loan mix (Q2 2026): real estate $88.4M · commercial $16.9M · consumer $8.3M · securities $88.3M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Bank of Commerce | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.41% | 1.24% | 61th | |
Return on equity Annualized net income ÷ equity or net worth | 14.1% | 11.9% | 64th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.14% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 58.6% | 62.9% | 37th |
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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