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 1.02% below tier average
- - Net Interest Margin 1.03% below tier average
- - Efficiency Ratio 20.12% above tier average
- - Delinquency Rate 1.47% 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
|
-$1.7M |
$62.3M
-0.5% YoY
|
$2.2B
+1.1% YoY
|
$6.2B
+9.0% YoY
|
45% |
| Total Loans ? |
$22.2M
-9.1% YoY
+1.6% QoQ
|
-$12.1M |
$34.3M
-1.5% YoY
|
$1.0B
+10.3% YoY
|
$3.2B
+10.7% YoY
|
32% |
| Total Deposits ? |
$51.8M
+3.2% YoY
-1.4% QoQ
|
-$74K |
$51.8M
-0.6% YoY
|
$1.9B
+3.3% YoY
|
$4.8B
+8.0% YoY
|
48% |
| Return on Assets ? |
-0.16%
-160.1% YoY
-147.6% QoQ
|
-1.02% |
0.86%
-3.6% YoY
|
1.40%
+10.4% YoY
|
1.24%
+13.1% YoY
|
Bottom 13.2% in tier |
| Net Interest Margin ? |
2.83%
-3.8% YoY
-3.8% QoQ
|
-1.03% |
3.87%
+2.7% YoY
|
4.02%
+2.6% YoY
|
3.89%
+5.7% YoY
|
Bottom 11.9% in tier |
| Efficiency Ratio ? |
107.75%
+2.6% YoY
+18.0% QoQ
|
+20.12% |
87.63%
+2.3% YoY
|
63.21%
-2.3% YoY
|
66.84%
-3.8% YoY
|
Bottom 10.6% in tier |
| Delinquency Rate ? |
2.83%
-20.9% QoQ
|
+1.47% |
1.36%
+33.7% YoY
|
0.96%
+37.0% YoY
|
0.95%
+18.8% YoY
|
Bottom 13.0% in tier |
| Loan-to-Deposit Ratio ? |
42.89%
-12.0% YoY
+3.1% QoQ
|
-21.22% |
64.11%
-0.9% YoY
|
67.20%
-0.8% YoY
|
76.69%
+0.9% YoY
|
78% |
| Non-Interest-Bearing Deposit Share ? |
28.87%
+5.9% YoY
-3.1% QoQ
|
+5.09% |
23.79%
+0.5% YoY
|
29.01%
-1.0% YoY
|
22.01%
-1.1% YoY
|
70% |
| Nonperforming Asset Ratio ? |
2.07%
-9.6% QoQ
|
+1.30% |
0.77%
+28.7% YoY
|
0.62%
+32.0% YoY
|
0.66%
+19.3% YoY
|
Bottom 10.1% in tier |
| Tier 1 Capital Ratio ? |
12.82%
-0.7% YoY
+1.1% QoQ
|
-13.95% |
26.77%
+2.0% YoY
|
18.06%
+0.0% YoY
|
17.06%
+0.8% YoY
|
30% |
| Non-Interest Income / Assets ? |
0.03%
+19.4% YoY
-92.4% QoQ
|
-0.64% |
0.67%
+1.6% YoY
|
0.20%
+4.1% YoY
|
0.32%
+4.0% 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.