| Metric | Commerce Bank & Trust | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +17.3% | +4.4% | +12.9 pts |
| Deposit growth (YoY) | +18.2% | +4.0% | +14.2 pts |
| Loan growth (YoY) | +1.8% | +5.6% | -3.8 pts |
| ROA | 0.91% | 1.24% | -0.3 pts |
| ROE | 12.1% | 11.9% | +0.3 pts |
ROA ranks in the 30th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $197.9M | $168.8M | $127.8M | $14.8M | $860K | 0.91% | 3.33% | 2.26% |
| Q1 2026 | $179.3M | $153.1M | $128.7M | $13.9M | $396K | 0.86% | 3.34% | 1.60% |
| Q4 2025 | $188.9M | $164.0M | $122.1M | $13.8M | $1.1M | 0.65% | 3.40% | 1.52% |
| Q3 2025 | $176.0M | $149.5M | $124.6M | $13.2M | $978K | 0.76% | 3.47% | 1.43% |
| Q2 2025 | $168.7M | $142.8M | $125.5M | $12.3M | $712K | 0.84% | 3.58% | 1.39% |
| Q1 2025 | $170.3M | $151.8M | $124.6M | $12.0M | $355K | 0.83% | 3.49% | 0.00% |
| Q4 2024 | $171.9M | $154.5M | $122.3M | $10.5M | $1.1M | 0.65% | 3.08% | 0.00% |
| Q3 2024 | $172.4M | $156.3M | $126.1M | $11.3M | $834K | 0.64% | 3.01% | 0.00% |
Loan mix (Q2 2026): real estate $115.3M · commercial $9.1M · consumer $5.7M · securities $22.7M
| Ratio | Commerce Bank & Trust | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.91% | 1.24% | 30th | |
Return on equity Annualized net income ÷ equity or net worth | 12.1% | 11.9% | 52th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.33% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 71.4% | 62.9% | 71th |
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 & Trust | 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 & Trust | 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 & Trust | 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 & Trust | 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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