BlastPoint's Banking Scorecard

The Bank of Commerce

$1B-$10B Specialty: Commercial ID FDIC cert 18059

Designations: ✓ Community bank

Ammon, ID

17 branches across ID · MT

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 5 in ID.
Deposits +6.9% year over year ($1.9B on the books).
Delinquency rate 1.37%.
Return on assets 2.13%.
Efficiency ratio 33.37% vs a 59.73% peer average.
Loan-to-deposit ratio 89.97% 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 5 in ID

View $1B-$10B leaderboard (ID) →

The Bank of Commerce has 3 strengths but faces 2 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

+ Deposit Franchise: Top 22.5% in tier
+ Return on Assets 0.74% above tier average
+ Efficiency Ratio 26.36% below tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 32.0% in tier
- Delinquency Rate 0.50% above tier average

Get updates when The Bank of Commerce releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (ID)	National Avg	Tier Percentile
Total Assets ?	$2.3B +7.3% YoY +3.9% QoQ	-$448.6M	$2.8B -0.6% YoY	$1.2B +4.9% YoY	$6.3B +7.7% YoY	58%
Total Loans ?	$1.7B +15.3% YoY +5.0% QoQ	-$223.9M	$2.0B -0.3% YoY	$741.9M +9.8% YoY	$3.2B +9.4% YoY	60%
Total Deposits ?	$1.9B +6.9% YoY +1.5% QoQ	-$385.5M	$2.3B -0.5% YoY	$1.0B +5.9% YoY	$4.9B +7.3% YoY	57%
Return on Assets ?	2.13% -8.6% YoY -4.1% QoQ	+0.74%	1.39% +17.0% YoY	1.42% +7.8% YoY	1.30% +12.1% YoY	Top 8.4% in tier
Net Interest Margin ?	4.67% +1.2% YoY +0.6% QoQ	+0.80%	3.87% +6.2% YoY	4.21% +5.4% YoY	3.95% +4.9% YoY	Top 9.0% in tier
Efficiency Ratio ?	33.37% +4.3% YoY +2.3% QoQ	-26.36%	59.73% -12.6% YoY	57.44% -5.2% YoY	70.05% +2.5% YoY	Top 3.4% in tier
Delinquency Rate ?	1.37% +331.7% YoY +82.9% QoQ	+0.50%	0.87% +11.7% YoY	1.19% +207.4% YoY	0.98% +16.3% YoY	19%
Loan-to-Deposit Ratio ?	89.97% +7.9% YoY +3.4% QoQ	+4.93%	85.04% -0.1% YoY	74.07% +1.8% YoY	79.03% +2.3% YoY	41%
Non-Interest-Bearing Deposit Share ?	37.32% -2.9% YoY +0.4% QoQ	+16.05%	21.27% -1.5% YoY	28.32% +5.3% YoY	21.98% -0.6% YoY	Top 6.1% in tier
Nonperforming Asset Ratio ?	1.02% +364.0% YoY +84.7% QoQ	+0.34%	0.67% +11.7% YoY	0.71% +195.7% YoY	0.69% +15.8% YoY	21%
Tier 1 Capital Ratio ?	19.09% -4.0% YoY -1.4% QoQ	+4.25%	14.84% -0.4% YoY	15.84% +2.7% YoY	17.09% +0.8% YoY	Top 9.0% in tier
Non-Interest Income / Assets ?	0.13% -1.5% YoY +100.5% QoQ	-0.40%	0.53% +2.5% YoY	0.23% +7.1% YoY	0.66% +5.2% YoY	Bottom 14.5% in tier

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 (ID)	National Avg	Tier Percentile
Noninterest-Bearing	37.3% -1.1pp YoY +0.1pp QoQ	+16.0pp	21.4%	28.3%	22.2%	94%
Brokered Deposits	n/a	n/a	9.5%	6.0%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (ID)	National Avg	Tier Percentile
C&I	14.7% -0.3pp YoY -0.1pp QoQ	+0.7pp	14.0%	16.5%	12.5%	66%
CRE	54.2% +1.9pp YoY -0.5pp QoQ	+4.1pp	50.0%	45.4%	41.4%	62%
1-4 Family	7.7% -0.1pp YoY -0.3pp QoQ	-18.8pp	26.4%	20.7%	31.3%	11%
Consumer	0.5% -0.1pp YoY 0.0pp QoQ	-4.2pp	4.7%	7.4%	5.0%	33%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (ID)	National Avg	Tier Percentile
CET1 Ratio	19.1% -0.8pp YoY -0.3pp QoQ	+3.5pp	15.6%	17.1%	19.7%	90%
Leverage Ratio	15.7% +0.5pp YoY 0.0pp QoQ	+4.4pp	11.3%	12.6%	12.6%	94%
Total Capital Ratio	20.3% -0.8pp YoY -0.3pp QoQ	+3.7pp	16.7%	18.3%	20.8%	90%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (ID)	National Avg	Tier Percentile
Full-Time Employees	224 -1 (-0.4%) YoY +2 (+0.9%) QoQ	-90	313	143	482	47%
Assets per Employee ($)	$10.5M +7.8% YoY +3.0% QoQ	-$15K	$10.5M	$8.0M	$8.8M	69%
Branch Count	17 0 YoY 0 QoQ	-3	20	11	18	57%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (ID)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.2%	0.0%	0.4%	n/a
Nonaccrual	1.4% +1.1pp YoY +0.6pp QoQ	+0.5pp	0.8%	1.3%	1.0%	83%
Allowance Coverage	1.18x -77.6% YoY -49.9% QoQ	-17.53x	18.71x	25.14x	20.23x	30%
Net Charge-off Rate (YTD)	0.6% +0.5pp YoY +0.4pp QoQ	+0.3pp	0.3%	0.2%	0.2%	93%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (ID)	National Avg	Tier Percentile
ROE	14.5% -2.5pp YoY -0.7pp QoQ	+1.9pp	12.6%	11.8%	11.6%	69%
Cost of Funds (YTD)	1.5% -0.2pp YoY 0.0pp QoQ	-0.4pp	1.9%	1.4%	1.7%	23%
Net Income ($, YTD)	$24.3M -4.7% YoY — QoQ	+$5.1M	$19.2M	$8.6M	$40.4M	76%

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12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 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)

Deposit Franchise

growth

#19 of 80 • Top 22.5% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature

Noninterest-Bearing Deposit Share: 37.32%

(Tier: 21.27%, National: 21.98%)

better than tier avg

Net Interest Margin: 4.67%

(Tier: 3.87%, National: 3.95%)

better than tier avg

80 of 80 Mid-Market banks match · 368 nationally

→ Stable -1 banks QoQ | QoQ rank improving

Concerns (1)

Liquidity Overhang

risk

#56 of 172 • Bottom 32.0% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 19.09%

(Tier: 14.84%, National: 17.09%)

better than tier avg

Loan-to-Deposit Ratio: 89.97%

(Tier: 85.04%, National: 79.03%)

worse than tier avg

172 of 172 Mid-Market banks match · 940 nationally

→ Stable +7 banks QoQ | QoQ rank improving

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).

Compare against:

Comparing against 885 peers in $1B-$10B

Top Strengths (5 metrics)

Efficiency Ratio

profitability

Value: 33.37%

Peer Median: 59.73%

#31 of 885 Top 3.4% in $1B-$10B

Non-Interest-Bearing Deposit Share

funding

Value: 37.32%

Peer Median: 21.27%

#55 of 885 Top 6.1% in $1B-$10B

Return on Assets

profitability

Value: 2.13%

Peer Median: 1.39%

#75 of 885 Top 8.4% in $1B-$10B

Net Interest Margin

profitability

Value: 4.67%

Peer Median: 3.87%

#81 of 885 Top 9.0% in $1B-$10B

Tier 1 Capital Ratio

capital

Value: 19.09%

Peer Median: 14.84%

#81 of 885 Top 9.0% in $1B-$10B

Top Weaknesses (3 metrics)

758

Non-Interest Income / Assets

revenue_mix

Value: 0.13%

Peer Median: 0.53%

#758 of 885 Bottom 14.5% in $1B-$10B

714

Delinquency Rate

credit_quality

Value: 1.37%

Peer Median: 0.87%

#714 of 882 Bottom 19.2% in $1B-$10B

697

Nonperforming Asset Ratio

credit_quality

Value: 1.02%

Peer Median: 0.67%

#697 of 885 Bottom 21.4% in $1B-$10B