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Commerce Bank

$100M-$1B Specialty: Mortgage TX FDIC cert 23772

Designations: ✓ Minority Depository Institution

Laredo, TX

3 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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 219 in TX.
  • Deposits -0.1% year over year ($664.5M on the books).
  • Delinquency rate 0.03%.
  • Return on assets 1.81%.
  • Efficiency ratio 34.27% vs a 64.48% peer average.
  • Loan-to-deposit ratio 28.91% vs a 77.95% peer average.

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

2643 banks in the $100M-$1B peer group nationally 219 in TX
View $100M-$1B leaderboard (TX) →

Commerce Bank has 4 strengths but faces 1 concern

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

  • + Revenue Diversifier: Top 43.3% in tier
  • + Efficiency Ratio 30.21% below tier average
  • + ROA 0.49% above tier average
  • + Delinquency Rate 0.89% below tier average

Key Concerns

Areas that may need attention

  • - Net Interest Margin 1.04% below tier average
Get updates when Commerce Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Total Assets ? $762.5M
-0.1% YoY +3.2% QoQ
+$375.9M $386.6M
+1.2% YoY
$2.3B
+5.2% YoY
$6.3B
+7.7% YoY
Top 9.9% in tier
Total Loans ? $192.1M
+23.7% YoY +12.0% QoQ
-$66.2M $258.3M
+1.7% YoY
$1.1B
+11.2% YoY
$3.2B
+9.4% YoY
46%
Total Deposits ? $664.5M
-0.1% YoY +1.1% QoQ
+$337.8M $326.7M
+0.7% YoY
$2.0B
+7.3% YoY
$4.9B
+7.3% YoY
Top 8.7% in tier
Return on Assets ? 1.81%
-2.9% YoY +3.3% QoQ
+0.49% 1.32%
+10.8% YoY
1.27%
-5.3% YoY
1.30%
+12.1% YoY
80%
Net Interest Margin ? 2.94%
-1.6% YoY +2.2% QoQ
-1.04% 3.99%
+5.0% YoY
4.08%
+2.2% YoY
3.95%
+4.9% YoY
Bottom 8.4% in tier
Efficiency Ratio ? 34.27%
+0.9% YoY -1.2% QoQ
-30.21% 64.48%
-3.2% YoY
90.57%
+43.9% YoY
70.05%
+2.5% YoY
Top 1.6% in tier
Delinquency Rate ? 0.03%
-84.4% YoY -64.3% QoQ
-0.89% 0.92%
+15.7% YoY
0.94%
+18.8% YoY
0.98%
+16.3% YoY
83%
Loan-to-Deposit Ratio ? 28.91%
+23.7% YoY +10.8% QoQ
-49.04% 77.95%
+1.0% YoY
67.96%
-1.3% YoY
79.03%
+2.3% YoY
Top 1.6% in tier
Non-Interest-Bearing Deposit Share ? 27.38%
-6.9% YoY +1.5% QoQ
+5.35% 22.03%
-0.6% YoY
29.12%
-0.7% YoY
21.98%
-0.6% YoY
74%
Nonperforming Asset Ratio ? 0.01%
-80.7% YoY -61.3% QoQ
-0.66% 0.67%
+16.4% YoY
0.64%
+15.8% YoY
0.69%
+15.8% YoY
Top 13.3% in tier
Tier 1 Capital Ratio ? 29.75%
-23.1% YoY -3.8% QoQ
+13.84% 15.91%
+1.4% YoY
18.23%
+1.1% YoY
17.09%
+0.8% YoY
Top 4.1% in tier
Non-Interest Income / Assets ? 0.43%
+1.2% YoY +94.1% QoQ
-0.14% 0.57%
+7.6% YoY
0.40%
+1.2% YoY
0.66%
+5.2% YoY
Top 12.8% 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 (TX) National Avg Tier Percentile
Noninterest-Bearing 27.4%
-2.0pp YoY
+0.4pp QoQ
 +5.2pp 22.1% 29.2% 22.2% 74%
Brokered Deposits n/a n/a 7.9% 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 18.0%
-5.3pp YoY
-2.2pp QoQ
 +6.5pp 11.6% 14.8% 12.5% 84%
CRE 54.7%
+16.0pp YoY
+5.8pp QoQ
 +15.1pp 39.5% 48.4% 41.4% 77%
1-4 Family 22.6%
-9.1pp YoY
-3.3pp QoQ
 -10.0pp 32.6% 25.8% 31.3% 36%
Consumer 5.9%
-1.5pp YoY
-0.4pp QoQ
 +1.8pp 4.1% 4.7% 5.0% 82%

Capital

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
CET1 Ratio 29.8%
-9.0pp YoY
-1.2pp QoQ
 +10.9pp 18.8% 22.7% 19.7% 93%
Leverage Ratio 12.3%
-1.8pp YoY
+0.2pp QoQ
 +0.1pp 12.2% 12.6% 12.6% 68%
Total Capital Ratio 30.7%
-9.1pp YoY
-1.2pp QoQ
 +10.8pp 19.9% 23.8% 20.8% 93%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Full-Time Employees 45
-2 (-4.3%) YoY
-2 (-4.3%) QoQ
 -14 58 186 482 47%
Assets per Employee ($) $16.9M
+4.4% YoY
+7.8% QoQ
 +$9.4M $7.5M $10.1M $8.8M 98%
Branch Count 3
0 YoY
0 QoQ
 -2 4 12 18 26%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Past Due 90+ Days 0.0%
-0.2pp YoY
-0.1pp QoQ
 -0.3pp 0.3% 0.3% 0.4% 30%
Nonaccrual n/a n/a 0.9% 1.0% 1.0% n/a
Allowance Coverage 53.52x
+420.1% YoY
+163.3% QoQ
 +29.36x 24.15x 18.82x 20.23x 94%
Net Charge-off Rate (YTD) 0.2%
+0.1pp YoY
-0.1pp QoQ
 0.0pp 0.1% 0.1% 0.2% 82%

Profitability

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
ROE 17.5%
+1.4pp YoY
+0.6pp QoQ
 +5.3pp 12.2% 13.2% 11.6% 80%
Cost of Funds (YTD) 1.6%
-0.1pp YoY
0.0pp QoQ
 -0.1pp 1.7% 1.6% 1.7% 46%
Net Income ($, YTD) $6.7M
-3.9% YoY
— QoQ
 +$4.2M $2.6M $15.9M $40.4M 95%

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)

Revenue Diversifier

growth
#287 of 661 • Top 43.3% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature
Noninterest Income / Assets: 0.43%
(Tier: 0.57%, National: 0.66%)
but worse than tier avg
Return on Assets: 1.81%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank declining

Concerns (0)

No matched concern signatures this quarter

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 2643 peers in $100M-$1B

Top Strengths (9 metrics)

42
Efficiency Ratio
profitability
Value: 34.27%
Peer Median: 64.48%
#42 of 2643 Top 1.6% in $100M-$1B
42
Loan-to-Deposit Ratio
liquidity
Value: 28.91%
Peer Median: 77.95%
#42 of 2643 Top 1.6% in $100M-$1B
110
Tier 1 Capital Ratio
capital
Value: 29.75%
Peer Median: 15.91%
#110 of 2643 Top 4.1% in $100M-$1B
230
Total Deposits
size
Value: $664.51M
Peer Median: $326.73M
#230 of 2643 Top 8.7% in $100M-$1B
262
Total Assets
size
Value: $762.49M
Peer Median: $386.57M
#262 of 2643 Top 9.9% in $100M-$1B
340
Non-Interest Income / Assets
revenue_mix
Value: 0.43%
Peer Median: 0.57%
#340 of 2643 Top 12.8% in $100M-$1B
352
Nonperforming Asset Ratio
credit_quality
Value: 0.01%
Peer Median: 0.67%
#352 of 2643 Top 13.3% in $100M-$1B
460
Delinquency Rate
credit_quality
Value: 0.03%
Peer Median: 0.92%
#460 of 2633 Top 17.4% in $100M-$1B
517
Return on Assets
profitability
Value: 1.81%
Peer Median: 1.32%
#517 of 2643 Top 19.5% in $100M-$1B

Top Weaknesses (1 metrics)

2422
Net Interest Margin
profitability
Value: 2.94%
Peer Median: 3.99%
#2422 of 2643 Bottom 8.4% in $100M-$1B
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