| Metric | CommerceOne Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +39.4% | +5.5% | +33.9 pts |
| Deposit growth (YoY) | +44.3% | +5.1% | +39.3 pts |
| Loan growth (YoY) | +6.1% | +5.9% | +0.2 pts |
| ROA | -0.16% | 1.26% | -1.4 pts |
| ROE | -1.8% | 12.2% | -13.9 pts |
ROA ranks in the 1st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.06B | $970.2M | $687.3M | $85.0M | $-752K | -0.16% | 3.72% | 0.00% |
| Q1 2026 | $891.7M | $802.7M | $685.4M | $81.3M | $-4.6M | -2.14% | 3.78% | 0.00% |
| Q4 2025 | $839.7M | $719.9M | $703.1M | $86.5M | $12.7M | 1.58% | 3.86% | 0.00% |
| Q3 2025 | $839.0M | $743.4M | $684.2M | $83.6M | $9.2M | 1.56% | 3.77% | 0.00% |
| Q2 2025 | $762.7M | $672.3M | $647.9M | $79.2M | $5.8M | 1.50% | 3.80% | 0.00% |
| Q1 2025 | $779.8M | $701.7M | $620.3M | $77.0M | $2.9M | 1.50% | 3.64% | 0.00% |
| Q4 2024 | $776.5M | $701.1M | $603.1M | $73.9M | $9.8M | 1.46% | 3.58% | 0.00% |
| Q3 2024 | $680.8M | $606.5M | $569.3M | $71.9M | $7.1M | 1.47% | 3.58% | 0.00% |
Loan mix (Q2 2026): real estate $469.7M · commercial $207.8M · consumer $16.7M · securities $42.7M
| Ratio | CommerceOne Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.16% | 1.26% | 1th | |
Return on equity Annualized net income ÷ equity or net worth | -1.8% | 12.2% | 1th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.72% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 43.9% | 59.0% | 11th |
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 | CommerceOne 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 | CommerceOne 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 | CommerceOne 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 | CommerceOne 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.