| Metric | Commerce Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.1% | +4.4% | +1.7 pts |
| Deposit growth (YoY) | +7.4% | +4.0% | +3.5 pts |
| Loan growth (YoY) | +8.2% | +5.6% | +2.6 pts |
| ROA | 2.48% | 1.24% | +1.2 pts |
| ROE | 24.4% | 11.9% | +12.6 pts |
ROA ranks in the 95th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $167.9M | $149.0M | $115.6M | $17.1M | $2.0M | 2.48% | 5.61% | 1.22% |
| Q1 2026 | $164.6M | $145.1M | $110.8M | $16.6M | $1.0M | 2.53% | 5.46% | 1.15% |
| Q4 2025 | $158.6M | $137.7M | $109.8M | $16.1M | $3.8M | 2.39% | 5.64% | 0.82% |
| Q3 2025 | $159.9M | $137.1M | $108.0M | $16.9M | $2.9M | 2.48% | 5.62% | 0.66% |
| Q2 2025 | $158.3M | $138.7M | $106.8M | $15.7M | $2.0M | 2.54% | 5.64% | 0.90% |
| Q1 2025 | $159.5M | $143.2M | $103.9M | $15.2M | $944K | 2.40% | 5.49% | 0.50% |
| Q4 2024 | $155.3M | $140.5M | $104.0M | $13.8M | $3.1M | 1.97% | 5.25% | 0.72% |
| Q3 2024 | $157.4M | $139.8M | $104.4M | $15.2M | $2.2M | 1.89% | 5.17% | 0.40% |
Loan mix (Q2 2026): real estate $79.6M · commercial $27.5M · consumer $7.6M · securities $31.0M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Commerce Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.48% | 1.24% | 95th | |
Return on equity Annualized net income ÷ equity or net worth | 24.4% | 11.9% | 95th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.61% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 55.6% | 62.9% | 28th |
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 | Commerce Bank | 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 | Commerce Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | Commerce Bank | 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 | Commerce Bank | 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 | Commerce Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
| Date | Role | Counterparty | Kind | Status | Regulator |
|---|---|---|---|---|---|
| Sep 10, 2025 | Acquirer | Holmes County Bank | Merger | Completed | Federal Reserve |
1 branches in 1 county across 1 state (+0 vs 2025) · $149.0M branch deposits. Biggest market: Alcorn, MS, ranked 2nd with 15.5% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Alcorn, MS | 1 | $149.0M | 15.46% | 2nd |
Mississippi: 72nd with 0.16% ·
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1
Technology spend in line with peers (32 bps of assets, 2025). Pro shows the figures, trend and peer comparison.
Technology spend is part of CharterBench Pro — on every bank page, in the screener and in the account brief.
Banks itemize data processing on Schedule RI-E when it exceeds $100,000 and 7% of other non-interest expense; most community banks itemize at year-end only, so figures are full calendar years. Peer group: banks in the same asset band. Not available for credit unions (the NCUA call report has no comparable line).