BlastPoint's Banking Scorecard
Commerce Bank Texas
Designations: ✓ Community bank
Stockdale, TX
2 branches across TX
Commerce Bank Texas faces 4 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - ROA 1.00% below tier average
- - Net Interest Margin 1.03% below tier average
- - Efficiency Ratio 19.41% above tier average
- - Delinquency Rate 1.46% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$60.5M
+3.4% YoY
-1.4% QoQ
|
-$1.6M |
$62.2M
-0.6% YoY
|
$2.3B
+1.1% YoY
|
$6.2B
+9.1% YoY
|
45% |
| Total Loans ? |
$22.2M
-9.1% YoY
+1.6% QoQ
|
-$12.0M |
$34.2M
-1.4% YoY
|
$1.1B
+10.2% YoY
|
$3.2B
+10.8% YoY
|
32% |
| Total Deposits ? |
$51.8M
+3.2% YoY
-1.4% QoQ
|
+$15K |
$51.7M
-0.7% YoY
|
$1.9B
+3.3% YoY
|
$4.8B
+8.2% YoY
|
48% |
| Return on Assets ? |
-0.16%
-160.1% YoY
-147.6% QoQ
|
-1.00% |
0.84%
-2.3% YoY
|
1.40%
+10.3% YoY
|
1.23%
+13.4% YoY
|
Bottom 13.5% in tier |
| Net Interest Margin ? |
2.83%
-3.8% YoY
-3.8% QoQ
|
-1.03% |
3.86%
+2.8% YoY
|
4.03%
+2.6% YoY
|
3.89%
+5.7% YoY
|
Bottom 12.4% in tier |
| Efficiency Ratio ? |
107.75%
+2.6% YoY
+18.0% QoQ
|
+19.41% |
88.34%
+0.3% YoY
|
63.18%
-2.3% YoY
|
66.95%
-4.1% YoY
|
Bottom 11.1% in tier |
| Delinquency Rate ? |
2.83%
-20.9% QoQ
|
+1.46% |
1.37%
+33.8% YoY
|
0.96%
+36.6% YoY
|
0.95%
+18.8% YoY
|
Bottom 13.2% in tier |
| Loan-to-Deposit Ratio ? |
42.89%
-12.0% YoY
+3.1% QoQ
|
-21.33% |
64.22%
-0.7% YoY
|
67.20%
-0.8% YoY
|
76.70%
+0.9% YoY
|
78% |
| Non-Interest-Bearing Deposit Share ? |
28.87%
+5.9% YoY
-3.1% QoQ
|
+5.16% |
23.71%
+0.3% YoY
|
29.02%
-1.0% YoY
|
22.01%
-1.2% YoY
|
70% |
| Nonperforming Asset Ratio ? |
2.07%
-9.6% QoQ
|
+1.28% |
0.79%
+28.2% YoY
|
0.62%
+31.5% YoY
|
0.67%
+19.3% YoY
|
Bottom 10.4% in tier |
| Tier 1 Capital Ratio ? |
12.82%
-0.7% YoY
+1.1% QoQ
|
-13.86% |
26.68%
+2.0% YoY
|
18.04%
+0.0% YoY
|
17.06%
+0.8% YoY
|
30% |
| Non-Interest Income / Assets ? |
0.03%
+19.4% YoY
-92.4% QoQ
|
-0.63% |
0.67%
+1.9% YoY
|
0.20%
+4.0% YoY
|
0.32%
+4.1% YoY
|
26% |
Get Full Access to Commerce Bank Texas
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.