| Metric | Commerce Bank Texas | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.9% | +3.0% | -6.9 pts |
| Deposit growth (YoY) | -4.5% | +2.5% | -7.0 pts |
| Loan growth (YoY) | +6.0% | +2.6% | +3.4 pts |
| ROA | -0.09% | 0.99% | -1.1 pts |
| ROE | -0.7% | 8.1% | -8.7 pts |
ROA ranks in the 12th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $60.6M | $51.9M | $23.6M | $8.3M | $-28K | -0.09% | 2.92% | 2.07% |
| Q1 2026 | $60.5M | $51.8M | $22.2M | $8.3M | $-25K | -0.16% | 2.83% | 2.07% |
| Q4 2025 | $61.4M | $52.5M | $21.8M | $8.4M | $212K | 0.34% | 2.95% | 2.29% |
| Q3 2025 | $63.0M | $54.0M | $24.3M | $8.4M | $192K | 0.42% | 2.93% | 1.53% |
| Q2 2025 | $63.1M | $54.3M | $22.3M | $8.1M | $204K | 0.67% | 2.97% | 1.53% |
| Q1 2025 | $58.5M | $50.1M | $24.4M | $7.8M | $41K | 0.27% | 2.94% | 0.00% |
| Q4 2024 | $61.7M | $49.6M | $27.8M | $7.5M | $137K | 0.21% | 2.99% | 0.00% |
| Q3 2024 | $66.9M | $50.2M | $33.2M | $7.9M | $117K | 0.24% | 2.93% | 0.00% |
Loan mix (Q2 2026): real estate $19.1M · commercial $4.6M · consumer $48K · securities $26.3M
| Ratio | Commerce Bank Texas | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.09% | 0.99% | 12th | |
Return on equity Annualized net income ÷ equity or net worth | -0.7% | 8.1% | 12th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.92% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 104.5% | 70.8% | 89th |
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 Texas | 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 Texas | 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 Texas | 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 Texas | 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 Texas | 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.
2 branches in 2 counties across 1 state (+0 vs 2024) · $54.3M branch deposits. Biggest market: Wilson, TX, ranked 7th with 4.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Wilson, TX | 1 | $41.9M | 4.34% | 7th |
| Bexar, TX | 1 | $12.4M | 0.01% | 65th |
Texas: 601st with 0.00% · San Antonio-New Braunfels metro: 66th, 0.03% ·
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2