| Metric | The Bank of Commerce | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.3% | +5.5% | +1.9 pts |
| Deposit growth (YoY) | +6.9% | +5.1% | +1.9 pts |
| Loan growth (YoY) | +15.3% | +5.9% | +9.4 pts |
| ROA | 2.13% | 1.26% | +0.9 pts |
| ROE | 14.5% | 12.2% | +2.4 pts |
ROA ranks in the 92nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.34B | $1.93B | $1.74B | $346.4M | $24.3M | 2.13% | 4.67% | 1.02% |
| Q1 2026 | $2.26B | $1.91B | $1.66B | $335.7M | $12.5M | 2.22% | 4.64% | 0.55% |
| Q4 2025 | $2.26B | $1.91B | $1.61B | $323.2M | $47.5M | 2.13% | 4.68% | 0.42% |
| Q3 2025 | $2.29B | $1.90B | $1.53B | $331.3M | $39.2M | 2.36% | 4.64% | 0.17% |
| Q2 2025 | $2.18B | $1.81B | $1.51B | $312.9M | $25.5M | 2.33% | 4.62% | 0.22% |
| Q1 2025 | $2.22B | $1.85B | $1.40B | $301.0M | $12.7M | 2.31% | 4.46% | 0.18% |
| Q4 2024 | $2.17B | $1.81B | $1.41B | $285.4M | $44.9M | 2.15% | 4.61% | 0.71% |
| Q3 2024 | $2.11B | $1.76B | $1.37B | $295.9M | $35.3M | 2.29% | 4.60% | 0.27% |
Loan mix (Q2 2026): real estate $1.23B · commercial $256.5M · consumer $9.5M · securities $366.7M
| Ratio | The Bank of Commerce | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.13% | 1.26% | 92th | |
Return on equity Annualized net income ÷ equity or net worth | 14.5% | 12.2% | 69th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.67% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 33.4% | 59.0% | 4th |
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 | The Bank of Commerce | 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 | The Bank of Commerce | 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 | The Bank of Commerce | 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 | The Bank of Commerce | 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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