BlastPoint's Banking Scorecard
Commerce Bank Texas
Designations: ✓ Community bank
Stockdale, TX
2 branches across TX
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 536 banks in the under $100M peer group nationwide — 1 of 38 in TX.
- Deposits -4.5% year over year ($51.9M on the books).
- Delinquency rate 2.66%.
- Return on assets -0.09%.
- Efficiency ratio 104.48% vs a 119.40% peer average.
- Loan-to-deposit ratio 45.52% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Commerce Bank Texas has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 14.91% below tier average
Key Concerns
Areas that may need attention
- - ROA 1.09% below tier average
- - Net Interest Margin 0.99% below tier average
- - Delinquency Rate 1.18% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$60.6M
-3.9% YoY
+0.2% QoQ
|
-$1.8M |
$62.4M
-0.0% YoY
|
$2.3B
+5.2% YoY
|
$6.3B
+7.7% YoY
|
46% |
| Total Loans ? |
$23.6M
+6.0% YoY
+6.4% QoQ
|
-$11.3M |
$34.9M
-0.6% YoY
|
$1.1B
+11.2% YoY
|
$3.2B
+9.4% YoY
|
34% |
| Total Deposits ? |
$51.9M
-4.5% YoY
+0.2% QoQ
|
+$257K |
$51.6M
-0.2% YoY
|
$2.0B
+7.3% YoY
|
$4.9B
+7.3% YoY
|
48% |
| Return on Assets ? |
-0.09%
-113.8% YoY
+43.9% QoQ
|
-1.09% |
1.00%
+3.5% YoY
|
1.27%
-5.3% YoY
|
1.30%
+12.1% YoY
|
Bottom 12.1% in tier |
| Net Interest Margin ? |
2.92%
-1.7% YoY
+3.1% QoQ
|
-0.99% |
3.91%
+2.3% YoY
|
4.08%
+2.2% YoY
|
3.95%
+4.9% YoY
|
Bottom 13.2% in tier |
| Efficiency Ratio ? |
104.48%
+25.9% YoY
-3.0% QoQ
|
-14.91% |
119.40%
+49.6% YoY
|
90.57%
+43.9% YoY
|
70.05%
+2.5% YoY
|
Bottom 11.0% in tier |
| Delinquency Rate ? |
2.66%
+75.3% YoY
-6.0% QoQ
|
+1.18% |
1.48%
+31.8% YoY
|
0.94%
+18.8% YoY
|
0.98%
+16.3% YoY
|
Bottom 14.7% in tier |
| Loan-to-Deposit Ratio ? |
45.52%
+11.0% YoY
+6.1% QoQ
|
-28.69% |
74.21%
+12.6% YoY
|
67.96%
-1.3% YoY
|
79.03%
+2.3% YoY
|
75% |
| Non-Interest-Bearing Deposit Share ? |
28.88%
-5.0% YoY
+0.0% QoQ
|
+5.39% |
23.49%
+0.6% YoY
|
29.12%
-0.7% YoY
|
21.98%
-0.6% YoY
|
72% |
| Nonperforming Asset Ratio ? |
2.07%
+35.4% YoY
-0.2% QoQ
|
+1.23% |
0.84%
+23.0% YoY
|
0.64%
+15.8% YoY
|
0.69%
+15.8% YoY
|
Bottom 10.8% in tier |
| Tier 1 Capital Ratio ? |
12.73%
-2.1% YoY
-0.7% QoQ
|
-14.40% |
27.13%
+3.0% YoY
|
18.23%
+1.1% YoY
|
17.09%
+0.8% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.07%
-82.2% YoY
+99.7% QoQ
|
-1.31% |
1.38%
+6.3% YoY
|
0.40%
+1.2% YoY
|
0.66%
+5.2% YoY
|
26% |
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 (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
28.9%
-1.5pp YoY 0.0pp QoQ |
+4.2pp | 24.6% | 29.2% | 22.2% | 70% |
| Brokered Deposits | n/a | n/a | 9.8% | 8.0% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
19.4%
+2.0pp YoY +3.0pp QoQ |
+6.0pp | 13.4% | 14.8% | 12.5% | 78% |
| CRE | n/a | n/a | 25.2% | 48.4% | 41.4% | n/a |
| 1-4 Family |
30.6%
+2.9pp YoY -0.7pp QoQ |
-4.4pp | 35.0% | 25.8% | 31.3% | 50% |
| Consumer |
0.2%
-0.5pp YoY 0.0pp QoQ |
-7.5pp | 7.7% | 4.7% | 5.0% | 3% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 38.7% | 22.7% | 19.7% | n/a |
| Leverage Ratio |
12.7%
-0.3pp YoY -0.1pp QoQ |
-5.0pp | 17.7% | 12.6% | 12.6% | 49% |
| Total Capital Ratio | n/a | n/a | 39.7% | 23.8% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
8
0 YoY 0 QoQ |
-4 | 12 | 186 | 482 | 29% |
| Assets per Employee ($) |
$7.6M
-3.9% YoY +0.2% QoQ |
+$1.4M | $6.2M | $10.1M | $8.8M | 74% |
| Branch Count |
2
0 YoY 0 QoQ |
+0 | 1 | 12 | 18 | 63% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.3% | 0.4% | n/a |
| Nonaccrual |
2.7%
-0.2pp QoQ |
+0.9pp | 1.7% | 1.0% | 1.0% | 84% |
| Allowance Coverage |
0.31x
-52.2% YoY 0.0% QoQ |
-6.10x | 6.41x | 18.82x | 20.23x | 9% |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.2% | 0.1% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
-0.7%
-5.9pp YoY +0.5pp QoQ |
-7.1pp | 6.4% | 13.2% | 11.6% | 12% |
| Cost of Funds (YTD) |
1.4%
-0.2pp YoY 0.0pp QoQ |
-0.1pp | 1.4% | 1.6% | 1.7% | 49% |
| Net Income ($, YTD) |
$-28000.0
-113.7% YoY — QoQ |
-$346K | $317,817 | $15.9M | $40.4M | 12% |
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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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.