BlastPoint's Banking Scorecard

CommerceOne Bank

$100M-$1B Specialty: Commercial AL FDIC cert 59114

Birmingham, AL

2 branches across AL

2664 banks in the $100M-$1B peer group nationally 64 in AL

CommerceOne Bank has 3 strengths but faces 4 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

+ Efficiency Ratio 19.37% below tier average
+ Delinquency Rate 0.89% below tier average
+ Nonperforming Asset Ratio 0.64% below tier average

Key Concerns

Areas that may need attention

- NIB Deposit Bleed: Bottom 57.1% in tier
- Return on Assets 3.41% below tier average
- Non-Interest Income / Assets 0.26% below tier average
- Net Interest Margin 0.15% below tier average

Get updates when CommerceOne Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (AL)	National Avg	Tier Percentile
Total Assets ?	$891.7M +14.4% YoY +6.2% QoQ	+$505.7M	$386.1M +0.5% YoY	$2.5B +0.2% YoY	$6.2B +9.1% YoY	Top 4.1% in tier
Total Loans ?	$685.4M +10.5% YoY -2.5% QoQ	+$429.7M	$255.7M +1.1% YoY	$1.5B +2.4% YoY	$3.2B +10.8% YoY	Top 2.8% in tier
Total Deposits ?	$802.7M +14.4% YoY +11.5% QoQ	+$474.7M	$328.0M +0.1% YoY	$2.1B -0.2% YoY	$4.8B +8.2% YoY	Top 2.2% in tier
Return on Assets ?	-2.14% -243.0% YoY -235.4% QoQ	-3.41%	1.27% +12.9% YoY	0.78% -19.5% YoY	1.23% +13.4% YoY	Bottom 0.7% in tier
Net Interest Margin ?	3.78% +4.0% YoY -1.9% QoQ	-0.15%	3.93% +6.0% YoY	3.99% +5.2% YoY	3.89% +5.7% YoY	45%
Efficiency Ratio ?	45.91% +7.9% YoY +8.0% QoQ	-19.37%	65.29% -4.5% YoY	72.13% +5.1% YoY	66.95% -4.1% YoY	Top 9.8% in tier
Delinquency Rate ?	0.00%	-0.89%	0.89% +18.8% YoY	1.09% +24.8% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	85.40% -3.4% YoY -12.6% QoQ	+8.76%	76.64% +0.8% YoY	67.08% +2.0% YoY	76.70% +0.9% YoY	34%
Non-Interest-Bearing Deposit Share ?	16.58% -16.2% YoY -12.8% QoQ	-5.43%	22.02% -1.0% YoY	23.89% +0.0% YoY	22.01% -1.2% YoY	30%
Nonperforming Asset Ratio ?	0.00%	-0.64%	0.64% +19.7% YoY	0.71% +24.8% YoY	0.67% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	11.32% -7.3% YoY -3.2% QoQ	-4.51%	15.83% +1.5% YoY	16.96% +13.8% YoY	17.06% +0.8% YoY	27%
Non-Interest Income / Assets ?	0.02% +15.7% YoY -85.0% QoQ	-0.26%	0.28% +9.3% YoY	0.16% -16.3% YoY	0.32% +4.1% YoY	Bottom 5.2% in tier

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$250B+

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 (0)

No matched strength signatures this quarter

Concerns (1)

NIB Deposit Bleed

decline

#114 of 198 • Bottom 57.1% in tier

Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.

Why this signature

Noninterest-Bearing Deposit Share: 16.58%

(Tier: 22.02%, National: 22.01%)

worse than tier avg

198 of 198 Community banks match · 238 nationally

↓ Shrinking -31 banks QoQ

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 2664 peers in $100M-$1B

Top Strengths (6 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.89%

#1 of 2654 Top 0.1% in $100M-$1B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.64%

#1 of 2664 Top 0.1% in $100M-$1B

Total Deposits

size

Value: $802.66M

Peer Median: $327.97M

#59 of 2664 Top 2.2% in $100M-$1B

Total Loans

size

Value: $685.44M

Peer Median: $255.72M

#76 of 2664 Top 2.8% in $100M-$1B

109

Total Assets

size

Value: $891.74M

Peer Median: $386.08M

#109 of 2664 Top 4.1% in $100M-$1B

263

Efficiency Ratio

profitability

Value: 45.91%

Peer Median: 65.29%

#263 of 2664 Top 9.8% in $100M-$1B

Top Weaknesses (2 metrics)

2647

Return on Assets

profitability

Value: -2.14%

Peer Median: 1.27%

#2647 of 2664 Bottom 0.7% in $100M-$1B

2527

Non-Interest Income / Assets

revenue_mix

Value: 0.02%

Peer Median: 0.28%

#2527 of 2664 Bottom 5.2% in $100M-$1B