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National Bank of Commerce

$1B-$10B Specialty: Commercial WI FDIC cert 14266

Designations: ✓ Community bank

Superior, WI

21 branches across MN · WI

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 885 banks in the $1B-$10B peer group nationwide — 1 of 30 in WI.
  • Deposits +2.8% year over year ($1.9B on the books).
  • Delinquency rate 0.65%.
  • Return on assets 2.00%.
  • Efficiency ratio 50.01% vs a 59.73% peer average.
  • Loan-to-deposit ratio 91.96% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 30 in WI
View $1B-$10B leaderboard (WI) →

National Bank of Commerce has 4 strengths but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Profitability Leader: Top 43.7% in tier
  • + Net Interest Margin 0.52% above tier average
  • + Efficiency Ratio 9.72% below tier average
  • + Delinquency Rate 0.22% below tier average

Key Concerns

Areas that may need attention

  • - Credit Risk Growth: Bottom 0.5% in tier
  • - Liquidity Strain: Bottom 10.2% in tier
  • - Capital Thin: Bottom 37.4% in tier
Get updates when National Bank of Commerce releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
Total Assets ? $2.2B
+4.0% YoY +1.2% QoQ
-$560.0M $2.8B
-0.6% YoY
$1.2B
+13.5% YoY
$6.3B
+7.7% YoY
55%
Total Loans ? $1.7B
+1.4% YoY +2.1% QoQ
-$259.1M $2.0B
-0.3% YoY
$860.4M
+13.3% YoY
$3.2B
+9.4% YoY
59%
Total Deposits ? $1.9B
+2.8% YoY +0.7% QoQ
-$465.8M $2.3B
-0.5% YoY
$935.5M
+13.1% YoY
$4.9B
+7.3% YoY
55%
Return on Assets ? 2.00%
+14.9% YoY +14.0% QoQ
+0.60% 1.39%
+17.0% YoY
1.56%
+18.6% YoY
1.30%
+12.1% YoY
Top 12.0% in tier
Net Interest Margin ? 4.39%
+7.8% YoY +2.0% QoQ
+0.52% 3.87%
+6.2% YoY
3.83%
+8.5% YoY
3.95%
+4.9% YoY
83%
Efficiency Ratio ? 50.01%
-4.1% YoY -3.9% QoQ
-9.72% 59.73%
-12.6% YoY
62.90%
-5.1% YoY
70.05%
+2.5% YoY
77%
Delinquency Rate ? 0.65%
+2.1% YoY +11.8% QoQ
-0.22% 0.87%
+11.7% YoY
0.85%
+12.5% YoY
0.98%
+16.3% YoY
41%
Loan-to-Deposit Ratio ? 91.96%
-1.3% YoY +1.4% QoQ
+6.93% 85.04%
-0.1% YoY
87.22%
+0.9% YoY
79.03%
+2.3% YoY
35%
Non-Interest-Bearing Deposit Share ? 18.25%
-6.7% YoY -1.3% QoQ
-3.02% 21.27%
-1.5% YoY
18.65%
-1.9% YoY
21.98%
-0.6% YoY
41%
Nonperforming Asset Ratio ? 0.50%
-0.2% YoY +7.2% QoQ
-0.17% 0.67%
+11.7% YoY
0.63%
+16.4% YoY
0.69%
+15.8% YoY
44%
Tier 1 Capital Ratio ? 11.10%
+9.8% YoY +3.0% QoQ
-3.74% 14.84%
-0.4% YoY
15.02%
+1.5% YoY
17.09%
+0.8% YoY
20%
Non-Interest Income / Assets ? 0.20%
-13.2% YoY +129.3% QoQ
-0.32% 0.53%
+2.5% YoY
2.21%
+12.7% YoY
0.66%
+5.2% YoY
31%

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 (WI) National Avg Tier Percentile
Noninterest-Bearing 18.3%
-1.3pp YoY
-0.2pp QoQ
 -3.1pp 21.4% 18.9% 22.2% 41%
Brokered Deposits 15.1%
+1.9pp YoY
+4.2pp QoQ
 +5.6pp 9.5% 9.2% 8.5% 82%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
C&I 18.4%
+1.3pp YoY
0.0pp QoQ
 +4.4pp 14.0% 10.5% 12.5% 76%
CRE 52.5%
+0.6pp YoY
-0.1pp QoQ
 +2.5pp 50.0% 46.4% 41.4% 59%
1-4 Family 21.2%
-1.6pp YoY
-0.9pp QoQ
 -5.2pp 26.4% 32.3% 31.3% 45%
Consumer 1.9%
-0.4pp YoY
+0.1pp QoQ
 -2.8pp 4.7% 2.6% 5.0% 61%

Capital

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
CET1 Ratio 11.1%
+1.0pp YoY
+0.3pp QoQ
 -4.5pp 15.6% 15.5% 19.7% 11%
Leverage Ratio 9.3%
+0.5pp YoY
+0.3pp QoQ
 -2.0pp 11.3% 12.6% 12.6% 19%
Total Capital Ratio 12.0%
+1.0pp YoY
+0.3pp QoQ
 -4.7pp 16.7% 16.6% 20.8% 9%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
Full-Time Employees 279
+9 (+3.3%) YoY
+1 (+0.4%) QoQ
 -35 313 134 482 62%
Assets per Employee ($) $8.0M
+0.7% YoY
+0.9% QoQ
 -$2.5M $10.5M $8.2M $8.8M 40%
Branch Count 21
0 YoY
0 QoQ
 +1 20 9 18 68%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
Past Due 90+ Days 0.4%
0.0pp YoY
+0.1pp QoQ
 +0.2pp 0.2% 0.4% 0.4% 92%
Nonaccrual 0.3%
0.0pp YoY
0.0pp QoQ
 -0.5pp 0.8% 0.9% 1.0% 29%
Allowance Coverage 1.52x
-0.9% YoY
-12.6% QoQ
 -17.19x 18.71x 56.89x 20.23x 39%
Net Charge-off Rate (YTD) 0.1%
+0.1pp YoY
0.0pp QoQ
 -0.2pp 0.3% 0.0% 0.2% 56%

Profitability

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
ROE 20.5%
+1.3pp YoY
+2.4pp QoQ
 +7.9pp 12.6% 11.8% 11.6% 91%
Cost of Funds (YTD) 2.0%
-0.1pp YoY
0.0pp QoQ
 +0.1pp 1.9% 1.8% 1.7% 56%
Net Income ($, YTD) $22.1M
+19.9% YoY
— QoQ
 +$2.9M $19.2M $7.9M $40.4M 73%

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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Profitability Leader

growth
#98 of 222 • Top 43.7% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature
Return on Assets: 2.00%
(Tier: 1.39%, National: 1.30%)
better than tier avg
222 of 222 Mid-Market banks match · 923 nationally
→ Stable | QoQ rank improving

Concerns (3)

Credit Risk Growth

risk
#3 of 402 • Bottom 0.5% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

402 of 402 Mid-Market banks match · 1401 nationally
→ Stable -58 banks QoQ

Liquidity Strain

risk
#38 of 361 • Bottom 10.2% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 91.96%
(Tier: 85.04%, National: 79.03%)
worse than tier avg
361 of 361 Mid-Market banks match · 1092 nationally
→ Stable +81 banks QoQ | QoQ rank declining

Capital Thin

risk
#84 of 222 • Bottom 37.4% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 11.10%
(Tier: 14.84%, National: 17.09%)
worse than tier avg
222 of 222 Mid-Market banks match · 923 nationally
→ Stable

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 885 peers in $1B-$10B

Top Strengths (3 metrics)

107
Return on Assets
profitability
Value: 2.00%
Peer Median: 1.39%
#107 of 885 Top 12.0% in $1B-$10B
148
Net Interest Margin
profitability
Value: 4.39%
Peer Median: 3.87%
#148 of 885 Top 16.6% in $1B-$10B
206
Efficiency Ratio
profitability
Value: 50.01%
Peer Median: 59.73%
#206 of 885 Top 23.2% in $1B-$10B

Top Weaknesses (1 metrics)

709
Tier 1 Capital Ratio
capital
Value: 11.10%
Peer Median: 14.84%
#709 of 885 Bottom 20.0% in $1B-$10B
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