National Bank of Commerce
Superior, WI · Cert 14266 · Peer group: banks $1B-$10B in assets operating regionally (n=176) · Natcom Bancshares, Inc.
National charter · OCC · 21 branches
Q2 2026
$2.2BAssets
$1.7BLoans
$1.9BDeposits
$219.9MEquity
Executive Summary
- Strongest standing: return on equity outperforms 89% of banks $1B-$10B in assets operating regionally (rank 20 of 176).
- Widest gap: tier 1 capital ratio trails 76% of banks $1B-$10B in assets operating regionally (rank 133 of 176).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.65%
Rank 30 of 176
Net Interest Margin
4.18%
Rank 23 of 176
Efficiency Ratio
51.47%
Rank 38 of 176
Equity / Assets
9.85%
Rank 108 of 176
Non-interest income vs. expense
Unfavorable gap of $42.8M · efficiency ratio beats 79% of banks $1B-$10B in assets operating regionally | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.65% | 0.93% | 1.26% | 1.54% | Beats 83% | 30 / 176 | | |
| Return on Equity | 16.73% | 9.26% | 11.89% | 14.46% | Beats 89% | 20 / 176 | | |
| Net Interest Margin | 4.18% | 3.25% | 3.59% | 3.93% | Beats 87% | 23 / 176 | | |
| Efficiency Ratio | 51.47% | 52.79% | 59.55% | 67.66% | Beats 79% | 38 / 176 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.64% | 0.30% | 0.64% | 1.32% | Beats 50% | 89 / 176 | | |
| Net Charge-Offs / Loans | 0.03% | 0.01% | 0.04% | 0.10% | Beats 52% | 86 / 176 | | |
| Capital |
| Tier 1 Capital Ratio | 11.10% | 11.15% | 12.72% | 14.15% | Beats 24% | 133 / 176 | | |
| Total Risk-Based Capital Ratio | 12.03% | 11.81% | 13.63% | 15.33% | Beats 28% | 126 / 176 | | |
| Equity / Assets | 9.85% | 9.16% | 10.35% | 11.80% | Beats 39% | 108 / 176 | | |
| Liquidity & Funding |
| Loans / Deposits | 92.87% | 80.94% | 89.73% | 97.21% | 61st pctl | 68 / 176 | | |
| Loans / Assets | 77.06% | 69.25% | 75.12% | 80.82% | 57th pctl | 75 / 176 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |