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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.74% | 0.87% | 0.75% | 0.79% | 0.87% | 1.14% | 1.14% | 1.12% | +33 bps | |
| Return on Equity | 7.39% | 8.42% | 6.95% | 7.16% | 7.66% | 9.44% | 9.07% | 8.66% | +151 bps | |
| Net Interest Margin | 2.62% | 2.76% | 2.56% | 2.70% | 2.62% | 2.92% | 2.86% | 2.89% | +19 bps | |
| Efficiency Ratio | 63.61% | 59.76% | 63.09% | 62.85% | 58.22% | 41.61% | 50.33% | 51.25% | -1,160 bps | |
| Non-Interest Burden | 1.66% | 1.64% | 1.61% | 1.69% | 1.52% | 1.20% | 1.43% | 1.47% | -22 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.65% | -4.87% | -3.66% | -4.74% | -8.62% | -7.76% | -7.96% | -10.58% | -584 bps | |
| Loan Growth (YoY) | 5.65% | -4.55% | -3.27% | -4.94% | -8.87% | -5.72% | -7.62% | -8.97% | -402 bps | |
| Deposit Growth (YoY) | 6.90% | 3.11% | 0.99% | 2.57% | -2.28% | -3.31% | -5.56% | -13.10% | -1,567 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.73% | 0.04% | 0.18% | 0.78% | 1.12% | 0.80% | 3.10% | 0.60% | -17 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | -0.03% | -0.01% | -0.01% | -0.01% | -0.01% | +3 bps | |
| Allowance / Loans | 1.51% | 1.59% | 1.61% | 1.61% | 1.66% | 1.70% | 1.75% | 1.78% | +17 bps | |
| Allowance Coverage of NPLs | 2.1x | 42.9x | 8.8x | 2.1x | 1.5x | 2.1x | 0.6x | 3.0x | +0.9x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.55% | 11.88% | 12.21% | 12.32% | 12.40% | 12.89% | 13.35% | 13.87% | +155 bps | |
| Total Risk-Based Capital | 15.02% | 15.87% | 16.21% | 16.14% | 16.62% | 17.22% | 17.71% | 18.37% | +223 bps | |
| Equity / Assets | 10.20% | 10.54% | 10.96% | 11.16% | 11.66% | 12.50% | 12.73% | 13.24% | +207 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 124.15% | 121.82% | 117.46% | 114.00% | 115.78% | 118.79% | 114.89% | 119.42% | +543 bps | |
| Liquid Assets / Assets | 2.73% | 1.96% | 2.51% | 2.12% | 3.14% | 2.36% | 4.18% | 2.82% | +70 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 380% | 350% | 339% | n/a | n/a | |