| Metric | The Bank of Commerce | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +12.7% | +3.0% | +9.7 pts |
| Deposit growth (YoY) | +13.8% | +2.5% | +11.3 pts |
| Loan growth (YoY) | -9.6% | +2.6% | -12.2 pts |
| ROA | 0.91% | 0.99% | -0.1 pts |
| ROE | 9.7% | 8.1% | +1.6 pts |
ROA ranks in the 46th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $81.5M | $73.0M | $37.2M | $8.2M | $394K | 0.91% | 3.53% | 0.03% |
| Q1 2026 | $88.4M | $80.0M | $35.3M | $8.2M | $228K | 1.02% | 3.55% | 0.09% |
| Q4 2025 | $90.2M | $81.7M | $37.6M | $8.1M | $787K | 0.97% | 3.73% | 0.09% |
| Q3 2025 | $77.2M | $68.8M | $44.3M | $8.1M | $585K | 0.99% | 3.84% | 0.01% |
| Q2 2025 | $72.3M | $64.1M | $41.2M | $7.9M | $423K | 1.07% | 3.89% | 0.00% |
| Q1 2025 | $80.2M | $72.1M | $38.1M | $7.8M | $236K | 1.14% | 3.80% | 0.00% |
| Q4 2024 | $85.3M | $77.6M | $36.6M | $7.3M | $593K | 0.79% | 3.66% | 0.00% |
| Q3 2024 | $68.3M | $60.2M | $37.9M | $7.7M | $472K | 0.87% | 3.81% | 0.00% |
Loan mix (Q2 2026): real estate $24.7M · commercial $6.7M · consumer $1.6M · securities $23.9M
| Ratio | The Bank of Commerce | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.91% | 0.99% | 46th | |
Return on equity Annualized net income ÷ equity or net worth | 9.7% | 8.1% | 60th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.53% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 73.9% | 70.8% | 57th |
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 |
|---|---|---|---|---|
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 | 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% |
The full ratio pack is part of CharterBench Pro.
1 branches in 1 county across 1 state (+0 vs 2025) · $73.0M branch deposits. Biggest market: Iberville, LA, ranked 5th with 8.6% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Iberville, LA | 1 | $73.0M | 8.56% | 5th |
Louisiana: 141st with 0.05% · Baton Rouge metro: 40th, 0.23% ·
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1
Spends about half what peers do on technology. Pro shows the figures, trend and peer comparison.
Technology spend is part of CharterBench Pro — on every bank page, in the screener and in the account brief.
Banks itemize data processing on Schedule RI-E when it exceeds $100,000 and 7% of other non-interest expense; most community banks itemize at year-end only, so figures are full calendar years. Peer group: banks in the same asset band. Not available for credit unions (the NCUA call report has no comparable line).