Geneva, MN · Cert 10212 · Commerce Bancshares Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area (n=53). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
91
Asset Quality
73
Profitability
32
Liquidity
0
Efficiency
87
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Geneva, MN · Cert 10212 · Commerce Bancshares Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
Market Position · Minneapolis-St. Paul-Bloomington, MN-WI · 2026 SOD (annual) · 0.1% share · #77 of 125 inst. · $0.1B of $253.2B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.77% | 0.80% | 0.89% | 1.14% | 1.14% | +37 bps | |
| Return on Equity | 7.06% | 7.26% | 7.84% | 9.07% | 8.86% | +180 bps | |
| Net Interest Margin | 2.64% | 2.63% | 2.76% | 2.86% | 2.92% | +28 bps | |
| Efficiency Ratio | 62.97% | 61.39% | 56.15% | 50.33% | 50.78% | -1,218 bps | |
| Non-Interest Burden | 1.65% | 1.61% | 1.54% | 1.43% | 1.47% | -18 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -4.74% | -8.62% | -7.76% | -7.96% | -10.58% | -584 bps | |
| Loan Growth (YoY) | -4.94% | -8.87% | -5.72% | -7.62% | -8.97% | -402 bps | |
| Deposit Growth (YoY) | 2.57% | -2.28% | -3.31% | -5.56% | -13.10% | -1,567 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.78% | 1.12% | 0.80% | 3.10% | 0.60% | -17 bps | |
| Net Charge-Offs / Loans | -0.02% | -0.01% | -0.01% | -0.01% | -0.01% | +1 bps | |
| Allowance / Loans | 1.61% | 1.66% | 1.70% | 1.75% | 1.78% | +17 bps | |
| Allowance Coverage of NPLs | 2.1x | 1.5x | 2.1x | 0.6x | 3.0x | +0.9x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 12.32% | 12.40% | 12.89% | 13.35% | 13.87% | +155 bps | |
| Total Risk-Based Capital | 16.14% | 16.62% | 17.22% | 17.71% | 18.37% | +223 bps | |
| Equity / Assets | 11.16% | 11.66% | 12.50% | 12.73% | 13.24% | +207 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 114.00% | 115.78% | 118.79% | 114.89% | 119.42% | +543 bps | |
| Liquid Assets / Assets | 2.12% | 3.14% | 2.36% | 4.18% | 2.82% | +70 bps | |
| CRE / Total Capital | n/a | 380% | 350% | 339% | n/a | n/a | |
Geneva, MN · Cert 10212 · Peer group: banks under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area (n=53) · Commerce Bancshares Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
Return on Assets
1.16%
Rank 22 of 53
Net Interest Margin
2.92%
Rank 50 of 53
Efficiency Ratio
50.78%
Rank 8 of 53
Equity / Assets
13.24%
Rank 4 of 53
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.16% | 0.73% | 1.11% | 1.30% | Beats 58% | 22 / 53 | |
| Return on Equity | 8.79% | 7.88% | 12.20% | 14.12% | Beats 32% | 36 / 53 | |
| Net Interest Margin | 2.92% | 3.39% | 3.77% | 4.09% | Beats 6% | 50 / 53 | |
| Efficiency Ratio | 50.78% | 56.05% | 65.05% | 71.57% | Beats 87% | 8 / 53 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.60% | 0.14% | 0.52% | 1.20% | Beats 45% | 30 / 53 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.08% | Beats 100% | 13 / 53 | |
| Capital | |||||||
| Tier 1 Capital Ratio | 17.11% | 10.73% | 12.98% | 15.08% | Beats 89% | 6 / 53 | |
| Total Risk-Based Capital Ratio | 18.37% | 11.49% | 13.79% | 16.34% | Beats 91% | 5 / 53 | |
| Equity / Assets | 13.24% | 8.08% | 9.25% | 10.72% | Beats 92% | 4 / 53 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 119.42% | 72.13% | 82.29% | 93.80% | 94th pctl | 3 / 53 | |
| Loans / Assets | 85.14% | 63.64% | 71.80% | 79.37% | 89th pctl | 6 / 53 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||