BlastPoint's Banking Scorecard
Commerce Bank
Geneva, MN
2 branches across MN
Commerce Bank has 1 strength but faces 8 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 14.96% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 17.7% in tier
- - Liquidity Overhang: Bottom 18.5% in tier
- - Deposit Outflow: Bottom 34.6% in tier
- - Capital Constraint: Bottom 78.7% in tier
- - Delinquency Rate 2.27% above tier average
- - Non-Interest-Bearing Deposit Share 14.14% below tier average
- - Nonperforming Asset Ratio 1.96% above tier average
- - Non-Interest Income / Assets 0.27% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$226.8M
-8.0% YoY
-1.3% QoQ
|
-$159.3M |
$386.1M
+0.5% YoY
|
$512.9M
+5.5% YoY
|
$6.2B
+9.1% YoY
|
32% |
| Total Loans ? |
$186.8M
-7.8% YoY
-3.1% QoQ
|
-$68.9M |
$255.7M
+1.1% YoY
|
$288.3M
+6.9% YoY
|
$3.2B
+10.8% YoY
|
46% |
| Total Deposits ? |
$165.5M
-5.6% YoY
+0.3% QoQ
|
-$162.5M |
$328.0M
+0.1% YoY
|
$443.8M
+5.0% YoY
|
$4.8B
+8.2% YoY
|
25% |
| Return on Assets ? |
1.31%
+53.4% YoY
+28.8% QoQ
|
+0.04% |
1.27%
+12.9% YoY
|
1.13%
+10.7% YoY
|
1.23%
+13.4% YoY
|
57% |
| Net Interest Margin ? |
2.99%
+13.8% YoY
+6.9% QoQ
|
-0.94% |
3.93%
+6.0% YoY
|
3.93%
+7.5% YoY
|
3.89%
+5.7% YoY
|
Bottom 11.3% in tier |
| Efficiency Ratio ? |
50.33%
-20.2% YoY
-10.4% QoQ
|
-14.96% |
65.29%
-4.5% YoY
|
64.77%
-3.3% YoY
|
66.95%
-4.1% YoY
|
83% |
| Delinquency Rate ? |
3.16%
+289.3% QoQ
|
+2.27% |
0.89%
+18.8% YoY
|
1.04%
+28.9% YoY
|
0.95%
+18.8% YoY
|
Bottom 5.6% in tier |
| Loan-to-Deposit Ratio ? |
112.88%
-2.3% YoY
-3.3% QoQ
|
+36.24% |
76.64%
+0.8% YoY
|
76.69%
-0.4% YoY
|
76.70%
+0.9% YoY
|
Bottom 2.1% in tier |
| Non-Interest-Bearing Deposit Share ? |
7.88%
+13.5% YoY
+4.1% QoQ
|
-14.14% |
22.02%
-1.0% YoY
|
21.87%
-0.9% YoY
|
22.01%
-1.2% YoY
|
Bottom 7.0% in tier |
| Nonperforming Asset Ratio ? |
2.60%
+282.3% QoQ
|
+1.96% |
0.64%
+19.7% YoY
|
0.77%
+27.1% YoY
|
0.67%
+19.3% YoY
|
Bottom 4.2% in tier |
| Tier 1 Capital Ratio ? |
16.46%
+10.1% YoY
+3.1% QoQ
|
+0.63% |
15.83%
+1.5% YoY
|
15.37%
+0.7% YoY
|
17.06%
+0.8% YoY
|
74% |
| Non-Interest Income / Assets ? |
0.01%
+8.6% YoY
-74.1% QoQ
|
-0.27% |
0.28%
+9.3% YoY
|
0.16%
+5.0% YoY
|
0.32%
+4.1% YoY
|
Bottom 0.9% in tier |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (4)
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Deposit Outflow
declineDeposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
Capital Constraint
riskStrong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.