| Metric | Commerce Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.1% | +4.9% | -5.0 pts |
| Deposit growth (YoY) | -0.1% | +4.3% | -4.4 pts |
| Loan growth (YoY) | +23.6% | +5.3% | +18.3 pts |
| ROA | 1.81% | 1.28% | +0.5 pts |
| ROE | 17.5% | 12.4% | +5.1 pts |
ROA ranks in the 80th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $762.5M | $664.5M | $192.1M | $78.9M | $6.7M | 1.81% | 2.94% | 0.01% |
| Q1 2026 | $738.5M | $657.3M | $171.5M | $76.9M | $3.2M | 1.75% | 2.88% | 0.02% |
| Q4 2025 | $736.9M | $657.9M | $156.2M | $75.5M | $14.5M | 1.94% | 3.00% | 0.02% |
| Q3 2025 | $736.5M | $661.0M | $155.7M | $70.9M | $11.0M | 1.96% | 3.06% | 0.06% |
| Q2 2025 | $763.1M | $664.9M | $155.4M | $93.9M | $7.0M | 1.86% | 2.99% | 0.04% |
| Q1 2025 | $754.4M | $662.1M | $153.9M | $87.6M | $3.6M | 1.91% | 3.02% | 0.06% |
| Q4 2024 | $745.1M | $661.1M | $150.6M | $80.0M | $14.9M | 2.12% | 3.09% | 0.02% |
| Q3 2024 | $733.6M | $631.4M | $152.9M | $81.9M | $11.0M | 2.13% | 3.15% | 0.12% |
Loan mix (Q2 2026): real estate $148.7M · commercial $34.6M · consumer $11.3M · securities $529.5M
| Ratio | Commerce Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.81% | 1.28% | 80th | |
Return on equity Annualized net income ÷ equity or net worth | 17.5% | 12.4% | 79th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.94% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 34.3% | 61.2% | 2nd |
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% |
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