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CommerceOne Bank

$1B-$10B Specialty: Commercial AL FDIC cert 59114

Designations: ✓ Community bank

Birmingham, AL

2 branches across AL

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 16 in AL.
  • Deposits +44.3% year over year ($970.2M on the books).
  • Delinquency rate 0.00%.
  • Return on assets -0.16%.
  • Efficiency ratio 43.89% vs a 59.73% peer average.
  • Loan-to-deposit ratio 70.84% 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 16 in AL
View $1B-$10B leaderboard (AL) →

CommerceOne Bank has 3 strengths but faces 3 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

  • + Delinquency Rate 0.87% below tier average
  • + Nonperforming Asset Ratio 0.67% below tier average
  • + Efficiency Ratio 15.84% below tier average

Key Concerns

Areas that may need attention

  • - Return on Assets 1.55% below tier average
  • - Non-Interest Income / Assets 0.49% below tier average
  • - Net Interest Margin 0.15% below tier average
Get updates when CommerceOne Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
Total Assets ? $1.1B
+39.4% YoY +19.2% QoQ
-$1.7B $2.8B
-0.6% YoY
$2.5B
+1.5% YoY
$6.3B
+7.7% YoY
Bottom 6.1% in tier
Total Loans ? $687.3M
+6.1% YoY +0.3% QoQ
-$1.3B $2.0B
-0.3% YoY
$1.6B
+2.8% YoY
$3.2B
+9.4% YoY
Bottom 7.3% in tier
Total Deposits ? $970.2M
+44.3% YoY +20.9% QoQ
-$1.3B $2.3B
-0.5% YoY
$2.1B
+0.3% YoY
$4.9B
+7.3% YoY
Bottom 13.1% in tier
Return on Assets ? -0.16%
-110.8% YoY +92.5% QoQ
-1.55% 1.39%
+17.0% YoY
0.89%
-13.0% YoY
1.30%
+12.1% YoY
Bottom 1.2% in tier
Net Interest Margin ? 3.72%
-2.0% YoY -1.6% QoQ
-0.15% 3.87%
+6.2% YoY
4.02%
+3.4% YoY
3.95%
+4.9% YoY
51%
Efficiency Ratio ? 43.89%
+0.3% YoY -4.4% QoQ
-15.84% 59.73%
-12.6% YoY
69.53%
+4.0% YoY
70.05%
+2.5% YoY
Top 10.3% in tier
Delinquency Rate ? 0.00% -0.87% 0.87%
+11.7% YoY
1.13%
+25.5% YoY
0.98%
+16.3% YoY
Top 0.1% in tier
Loan-to-Deposit Ratio ? 70.84%
-26.5% YoY -17.0% QoQ
-14.20% 85.04%
-0.1% YoY
67.62%
+0.9% YoY
79.03%
+2.3% YoY
83%
Non-Interest-Bearing Deposit Share ? 33.33%
+76.9% YoY +100.9% QoQ
+12.05% 21.27%
-1.5% YoY
24.04%
+0.1% YoY
21.98%
-0.6% YoY
Top 10.3% in tier
Nonperforming Asset Ratio ? 0.00% -0.67% 0.67%
+11.7% YoY
0.74%
+25.2% YoY
0.69%
+15.8% YoY
Top 0.1% in tier
Tier 1 Capital Ratio ? 11.89%
-1.6% YoY +5.0% QoQ
-2.96% 14.84%
-0.4% YoY
15.01%
+1.3% YoY
17.09%
+0.8% YoY
31%
Non-Interest Income / Assets ? 0.04%
-10.1% YoY +62.1% QoQ
-0.49% 0.53%
+2.5% YoY
0.35%
-14.4% YoY
0.66%
+5.2% YoY
Bottom 2.4% 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 (AL) National Avg Tier Percentile
Noninterest-Bearing 33.3%
+14.5pp YoY
+16.7pp QoQ
 +12.0pp 21.4% 24.0% 22.2% 90%
Brokered Deposits 0.0%
-5.0pp YoY
-3.3pp QoQ
 -9.5pp 9.5% 5.5% 8.5% 2%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
C&I 30.2%
+1.0pp YoY
-2.1pp QoQ
 +16.2pp 14.0% 16.9% 12.5% 91%
CRE 44.8%
-4.6pp YoY
-1.0pp QoQ
 -5.2pp 50.0% 43.5% 41.4% 36%
1-4 Family 23.5%
+2.6pp YoY
+2.7pp QoQ
 -2.9pp 26.4% 30.6% 31.3% 50%
Consumer 2.4%
+0.8pp YoY
+0.4pp QoQ
 -2.3pp 4.7% 5.7% 5.0% 69%

Capital

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
CET1 Ratio 11.9%
-0.2pp YoY
+0.6pp QoQ
 -3.7pp 15.6% 15.1% 19.7% 21%
Leverage Ratio 9.0%
-1.7pp YoY
-0.7pp QoQ
 -2.3pp 11.3% 13.2% 12.6% 12%
Total Capital Ratio 12.9%
-0.4pp YoY
+0.6pp QoQ
 -3.8pp 16.7% 16.2% 20.8% 19%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
Full-Time Employees 57
+8 (+16.3%) YoY
-2 (-3.4%) QoQ
 -257 313 304 482 1%
Assets per Employee ($) $18.6M
+19.8% YoY
+23.4% QoQ
 +$8.2M $10.5M $6.9M $8.8M 94%
Branch Count 2
+1 (+100.0%) YoY
0 QoQ
 -18 20 20 18 5%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.2% 0.2% 0.4% n/a
Nonaccrual n/a n/a 0.8% 1.2% 1.0% n/a
Allowance Coverage n/a n/a 18.71x 7.50x 20.23x n/a
Net Charge-off Rate (YTD) 3.5%
+3.6pp YoY
-3.5pp QoQ
 +3.3pp 0.3% 0.3% 0.2% 99%

Profitability

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
ROE -1.8%
-16.9pp YoY
+20.3pp QoQ
 -14.4pp 12.6% 10.0% 11.6% 1%
Cost of Funds (YTD) 2.1%
-0.6pp YoY
-0.1pp QoQ
 +0.2pp 1.9% 1.7% 1.7% 67%
Net Income ($, YTD) $-752000.0
-113.0% YoY
— QoQ
 -$20.0M $19.2M $17.2M $40.4M 1%

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 (0)

No matched strength signatures this quarter

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 885 peers in $1B-$10B

Top Strengths (5 metrics)

1
Delinquency Rate
credit_quality
Value: 0.00%
Peer Median: 0.87%
#1 of 882 Top 0.1% in $1B-$10B
1
Nonperforming Asset Ratio
credit_quality
Value: 0.00%
Peer Median: 0.67%
#1 of 885 Top 0.1% in $1B-$10B
92
Efficiency Ratio
profitability
Value: 43.89%
Peer Median: 59.73%
#92 of 885 Top 10.3% in $1B-$10B
92
Non-Interest-Bearing Deposit Share
funding
Value: 33.33%
Peer Median: 21.27%
#92 of 885 Top 10.3% in $1B-$10B
149
Loan-to-Deposit Ratio
liquidity
Value: 70.84%
Peer Median: 85.04%
#149 of 885 Top 16.7% in $1B-$10B

Top Weaknesses (5 metrics)

875
Return on Assets
profitability
Value: -0.16%
Peer Median: 1.39%
#875 of 885 Bottom 1.2% in $1B-$10B
865
Non-Interest Income / Assets
revenue_mix
Value: 0.04%
Peer Median: 0.53%
#865 of 885 Bottom 2.4% in $1B-$10B
832
Total Assets
size
Value: $1.06B
Peer Median: $2.79B
#832 of 885 Bottom 6.1% in $1B-$10B
821
Total Loans
size
Value: $687.25M
Peer Median: $1.96B
#821 of 885 Bottom 7.3% in $1B-$10B
770
Total Deposits
size
Value: $970.20M
Peer Median: $2.32B
#770 of 885 Bottom 13.1% in $1B-$10B
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