BlastPoint's Banking Scorecard
Commerce Bank
Geneva, MN
2 branches across MN
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 151 in MN.
- Deposits -13.1% year over year ($156.8M on the books).
- Delinquency rate 0.61%.
- Return on assets 1.30%.
- Efficiency ratio 50.78% vs a 64.48% peer average.
- Loan-to-deposit ratio 117.30% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Commerce Bank has 2 strengths but faces 7 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 13.69% below tier average
- + Delinquency Rate 0.30% below tier average
Key Concerns
Areas that may need attention
- - Deposit Outflow: Bottom 15.0% in tier
- - Liquidity Strain: Bottom 18.8% in tier
- - Liquidity Overhang: Bottom 18.9% in tier
- - Capital Constraint: Bottom 81.3% in tier
- - Net Interest Margin 0.99% below tier average
- - Non-Interest-Bearing Deposit Share 14.12% below tier average
- - Non-Interest Income / Assets 0.55% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$220.0M
-10.6% YoY
-3.0% QoQ
|
-$166.6M |
$386.6M
+1.2% YoY
|
$524.5M
+5.8% YoY
|
$6.3B
+7.7% YoY
|
31% |
| Total Loans ? |
$184.0M
-9.1% YoY
-1.5% QoQ
|
-$74.4M |
$258.3M
+1.7% YoY
|
$300.2M
+7.3% YoY
|
$3.2B
+9.4% YoY
|
44% |
| Total Deposits ? |
$156.8M
-13.1% YoY
-5.2% QoQ
|
-$169.9M |
$326.7M
+0.7% YoY
|
$452.1M
+5.5% YoY
|
$4.9B
+7.3% YoY
|
23% |
| Return on Assets ? |
1.30%
+48.0% YoY
-0.6% QoQ
|
-0.02% |
1.32%
+10.8% YoY
|
1.26%
+17.2% YoY
|
1.30%
+12.1% YoY
|
54% |
| Net Interest Margin ? |
2.99%
+11.1% YoY
+0.1% QoQ
|
-0.99% |
3.99%
+5.0% YoY
|
4.00%
+6.8% YoY
|
3.95%
+4.9% YoY
|
Bottom 9.8% in tier |
| Efficiency Ratio ? |
50.78%
-19.3% YoY
+0.9% QoQ
|
-13.69% |
64.48%
-3.2% YoY
|
63.00%
-3.5% YoY
|
70.05%
+2.5% YoY
|
82% |
| Delinquency Rate ? |
0.61%
-22.1% YoY
-80.6% QoQ
|
-0.30% |
0.92%
+15.7% YoY
|
1.01%
+19.3% YoY
|
0.98%
+16.3% YoY
|
41% |
| Loan-to-Deposit Ratio ? |
117.30%
+4.6% YoY
+3.9% QoQ
|
+39.35% |
77.95%
+1.0% YoY
|
78.29%
-0.6% YoY
|
79.03%
+2.3% YoY
|
Bottom 1.6% in tier |
| Non-Interest-Bearing Deposit Share ? |
7.91%
-4.3% YoY
+0.5% QoQ
|
-14.12% |
22.03%
-0.6% YoY
|
21.79%
+0.9% YoY
|
21.98%
-0.6% YoY
|
Bottom 6.8% in tier |
| Nonperforming Asset Ratio ? |
0.51%
-20.8% YoY
-80.3% QoQ
|
-0.16% |
0.67%
+16.4% YoY
|
0.76%
+16.9% YoY
|
0.69%
+15.8% YoY
|
39% |
| Tier 1 Capital Ratio ? |
17.11%
+15.0% YoY
+4.0% QoQ
|
+1.20% |
15.91%
+1.4% YoY
|
15.35%
-0.4% YoY
|
17.09%
+0.8% YoY
|
77% |
| Non-Interest Income / Assets ? |
0.01%
+16.5% YoY
+114.7% QoQ
|
-0.55% |
0.57%
+7.6% YoY
|
0.31%
+3.9% YoY
|
0.66%
+5.2% YoY
|
Bottom 1.2% in tier |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
7.9%
-0.4pp YoY 0.0pp QoQ |
-14.2pp | 22.1% | 21.9% | 22.2% | 6% |
| Brokered Deposits |
37.0%
-7.5pp YoY -3.9pp QoQ |
+29.2pp | 7.9% | 8.3% | 8.5% | 98% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
7.0%
-0.3pp YoY -0.7pp QoQ |
-4.6pp | 11.6% | 14.6% | 12.5% | 32% |
| CRE |
57.6%
-1.8pp YoY +1.3pp QoQ |
+18.0pp | 39.5% | 36.5% | 41.4% | 82% |
| 1-4 Family |
14.9%
+0.5pp YoY 0.0pp QoQ |
-17.8pp | 32.6% | 29.4% | 31.3% | 19% |
| Consumer |
0.5%
+0.5pp YoY 0.0pp QoQ |
-3.6pp | 4.1% | 4.5% | 5.0% | 17% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
17.1%
+2.2pp YoY +0.6pp QoQ |
-1.7pp | 18.8% | 16.5% | 19.7% | 64% |
| Leverage Ratio |
13.9%
+1.5pp YoY +0.5pp QoQ |
+1.7pp | 12.2% | 11.0% | 12.6% | 81% |
| Total Capital Ratio |
18.4%
+2.2pp YoY +0.7pp QoQ |
-1.6pp | 19.9% | 17.6% | 20.8% | 65% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
11
-4 (-26.7%) YoY -1 (-8.3%) QoQ |
-48 | 58 | 55 | 482 | 1% |
| Assets per Employee ($) |
$20.0M
+21.9% YoY +5.8% QoQ |
+$12.5M | $7.5M | $8.6M | $8.8M | 99% |
| Branch Count |
2
0 YoY 0 QoQ |
-3 | 4 | 4 | 18 | 11% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.4% | 0.4% | n/a |
| Nonaccrual |
0.6%
+0.6pp YoY 0.0pp QoQ |
-0.3pp | 0.9% | 1.0% | 1.0% | 58% |
| Allowance Coverage |
2.95x
+41.8% YoY +423.1% QoQ |
-21.20x | 24.15x | 20.41x | 20.23x | 58% |
| Net Charge-off Rate (YTD) |
-0.0%
0.0pp YoY 0.0pp QoQ |
-0.2pp | 0.1% | 0.2% | 0.2% | 17% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
10.2%
+2.1pp YoY -0.2pp QoQ |
-2.0pp | 12.2% | 13.1% | 11.6% | 38% |
| Cost of Funds (YTD) |
2.6%
-0.1pp YoY 0.0pp QoQ |
+0.9pp | 1.7% | 1.7% | 1.7% | 92% |
| Net Income ($, YTD) |
$1.5M
+35.1% YoY — QoQ |
-$1.1M | $2.6M | $4.5M | $40.4M | 41% |
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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)
Deposit Outflow
declineDeposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
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.
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.