| Metric | Commerce Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -10.6% | +4.4% | -14.9 pts |
| Deposit growth (YoY) | -13.1% | +4.0% | -17.1 pts |
| Loan growth (YoY) | -9.1% | +5.6% | -14.7 pts |
| ROA | 1.30% | 1.24% | +0.1 pts |
| ROE | 10.2% | 11.9% | -1.7 pts |
ROA ranks in the 54th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $220.0M | $156.8M | $184.0M | $29.1M | $1.5M | 1.30% | 2.99% | 0.51% |
| Q1 2026 | $226.8M | $165.5M | $186.8M | $28.9M | $749K | 1.31% | 2.99% | 2.60% |
| Q4 2025 | $229.8M | $165.1M | $192.8M | $28.7M | $2.5M | 1.02% | 2.80% | 0.68% |
| Q3 2025 | $240.4M | $172.6M | $196.5M | $28.0M | $1.7M | 0.92% | 2.71% | 0.93% |
| Q2 2025 | $246.0M | $180.5M | $202.4M | $27.5M | $1.1M | 0.88% | 2.70% | 0.65% |
| Q1 2025 | $246.4M | $175.2M | $202.5M | $27.0M | $530K | 0.86% | 2.63% | 0.15% |
| Q4 2024 | $249.1M | $170.7M | $204.7M | $26.2M | $2.1M | 0.83% | 2.69% | 0.03% |
| Q3 2024 | $263.1M | $176.6M | $215.9M | $26.8M | $1.5M | 0.79% | 2.64% | 0.60% |
Loan mix (Q2 2026): real estate $165.8M · commercial $12.8M · consumer $1.0M · securities $24.5M
| Ratio | Commerce Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.30% | 1.24% | 54th | |
Return on equity Annualized net income ÷ equity or net worth | 10.2% | 11.9% | 40th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.99% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 50.8% | 62.9% | 18th |
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 |
|---|---|---|---|---|
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% |
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