BlastPoint's Banking Scorecard
Commerce Bank
Designations: ✓ Minority Depository Institution
Laredo, TX
3 branches across TX
Commerce Bank has 4 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 40.5% in tier
- + Efficiency Ratio 30.60% below tier average
- + ROA 0.48% above tier average
- + Delinquency Rate 0.81% below tier average
Key Concerns
Areas that may need attention
- - Deposit Outflow: Bottom 12.2% in tier
- - Liquidity Overhang: Bottom 49.1% in tier
- - Margin Compression: Bottom 59.3% in tier
- - Net Interest Margin 1.05% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$738.5M
-2.1% YoY
+0.2% QoQ
|
+$352.4M |
$386.1M
+0.5% YoY
|
$2.3B
+1.1% YoY
|
$6.2B
+9.1% YoY
|
Top 10.8% in tier |
| Total Loans ? |
$171.5M
+11.4% YoY
+9.8% QoQ
|
-$84.2M |
$255.7M
+1.1% YoY
|
$1.1B
+10.2% YoY
|
$3.2B
+10.8% YoY
|
42% |
| Total Deposits ? |
$657.3M
-0.7% YoY
-0.1% QoQ
|
+$329.4M |
$328.0M
+0.1% YoY
|
$1.9B
+3.3% YoY
|
$4.8B
+8.2% YoY
|
Top 9.2% in tier |
| Return on Assets ? |
1.75%
-8.5% YoY
-9.5% QoQ
|
+0.48% |
1.27%
+12.9% YoY
|
1.40%
+10.3% YoY
|
1.23%
+13.4% YoY
|
79% |
| Net Interest Margin ? |
2.88%
-4.6% YoY
-3.8% QoQ
|
-1.05% |
3.93%
+6.0% YoY
|
4.03%
+2.6% YoY
|
3.89%
+5.7% YoY
|
Bottom 8.1% in tier |
| Efficiency Ratio ? |
34.68%
+6.2% YoY
+3.3% QoQ
|
-30.60% |
65.29%
-4.5% YoY
|
63.18%
-2.3% YoY
|
66.95%
-4.1% YoY
|
Top 1.7% in tier |
| Delinquency Rate ? |
0.08%
-73.0% YoY
-22.2% QoQ
|
-0.81% |
0.89%
+18.8% YoY
|
0.96%
+36.6% YoY
|
0.95%
+18.8% YoY
|
76% |
| Loan-to-Deposit Ratio ? |
26.09%
+12.3% YoY
+9.9% QoQ
|
-50.55% |
76.64%
+0.8% YoY
|
67.20%
-0.8% YoY
|
76.70%
+0.9% YoY
|
Top 1.3% in tier |
| Non-Interest-Bearing Deposit Share ? |
26.98%
-11.7% YoY
-3.4% QoQ
|
+4.96% |
22.02%
-1.0% YoY
|
29.02%
-1.0% YoY
|
22.01%
-1.2% YoY
|
73% |
| Nonperforming Asset Ratio ? |
0.02%
-69.3% YoY
-14.8% QoQ
|
-0.62% |
0.64%
+19.7% YoY
|
0.62%
+31.5% YoY
|
0.67%
+19.3% YoY
|
84% |
| Tier 1 Capital Ratio ? |
30.93%
-19.8% YoY
-2.2% QoQ
|
+15.10% |
15.83%
+1.5% YoY
|
18.04%
+0.0% YoY
|
17.06%
+0.8% YoY
|
Top 3.4% in tier |
| Non-Interest Income / Assets ? |
0.22%
-0.4% YoY
-75.2% QoQ
|
-0.06% |
0.28%
+9.3% YoY
|
0.20%
+4.0% YoY
|
0.32%
+4.1% YoY
|
Top 11.5% in tier |
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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 (1)
Revenue Diversifier
growthTop-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Concerns (3)
Deposit Outflow
declineDeposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.