Commerce Bank

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

$220.0MAssets

$187.3MLoans

$156.8MDeposits

$29.1MEquity

Executive Summary

Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area (rank 13 of 53).
Widest gap: net interest margin trails 94% of banks under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area (rank 50 of 53).
Overall: at or above the peer median on 6 of 9 directional measures.

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

Unfavorable gap of $3.3M · efficiency ratio beats 87% of banks under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area

Metric	Your Bank	Peer 25th	Peer Median	Peer 75th	Standing	Rank
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