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Commerce Bank Texas

Stockdale, TX · Cert 15346 · Commerce Financial Corp.

State charter, non-member · FDIC · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in TX3

Basis

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.

Peer group

Banks under $1B in assets in TX (n=208 to 211). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

51

Q2 2024Q2 2026peer median (50)

Asset Quality

55

Q2 2024Q2 2026peer median (50)

Profitability

7

Q2 2024Q2 2026peer median (50)

Liquidity

43

Q2 2024Q2 2026peer median

Efficiency

4

Q2 2024Q2 2026peer median (50)

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.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Commerce Bank Texas

Stockdale, TX · Cert 15346 · Commerce Financial Corp.

State charter, non-member · FDIC · 2 branches

Q2 2026

$60.6MAssets
$23.8MLoans
$51.9MDeposits
$8.3MEquity
Loan mix
83%RE $18.7M16%C&I $3.6M0%Consumer $0.1MQ2 2025Q2 2026
Deposit mix
71%Interest-bearing $36.9M29%Noninterest $15.0MQ2 2025Q2 2026

NIM

4.71%Q2 ’244.18%Q2 ’253.90%Q2 ’26-1%-4%

Non-interest income vs. expense

2.58%Q2 ’242.98%Q2 ’253.03%Q2 ’26-11%+34%

Market Position · San Antonio-New Braunfels, TX · 2026 SOD (annual) · 0.0% share · #55 of 66 inst. · $0.1B of $175.0B

6.1% Wilson
0.0% Bexar

Executive Summary

  • Earnings: ROA of -0.18%, down 84 bps year over year; NIM at 2.77%.
  • Asset quality: problem loans at 2.64% of loans (+114 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 12.68%, down 31 bps from a year ago.
  • Funding: loans stand at 45.90% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

-0.18%-84 bps YoY

Net Interest Margin (YTD, annualized)

2.77%-11 bps YoY

Efficiency Ratio (YTD, annualized)

108.37%+2,538 bps YoY

Tier 1 Leverage Ratio

12.68%-31 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.67%0.42%0.34%-0.16%-0.18%-84 bps
Return on Equity5.24%3.23%2.64%-1.19%-1.29%-654 bps
Net Interest Margin2.89%2.78%2.81%2.72%2.77%-11 bps
Efficiency Ratio82.99%88.39%91.28%107.75%108.37%+2,538 bps
Non-Interest Burden2.15%2.29%2.42%2.81%2.89%+74 bps
Growth
Asset Growth (YoY)-4.60%-5.89%-0.53%3.43%-3.92%+67 bps
Loan Growth (YoY)-32.76%-26.87%-21.56%-9.16%5.82%+3,857 bps
Deposit Growth (YoY)11.51%7.48%5.83%3.20%-4.51%-1,601 bps
Asset Quality
Nonperforming Loans / Loans1.50%1.38%3.54%2.80%2.64%+114 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.99%0.91%0.89%0.88%0.83%-16 bps
Allowance Coverage of NPLs0.7x0.7x0.3x0.3x0.3x-0.3x
Capital
Tier 1 Leverage Ratio13.00%12.58%12.68%12.82%12.68%-31 bps
Total Risk-Based Capital13.00%12.58%12.68%12.82%12.68%-31 bps
Equity / Assets12.81%13.28%13.75%13.74%13.64%+83 bps
Liquidity & Funding
Loans / Deposits41.42%45.44%41.98%43.27%45.90%+448 bps
Liquid Assets / Assets29.71%25.93%28.49%26.69%24.59%-513 bps
CRE / Total Capitaln/a146.18%129.92%139.03%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Commerce Bank Texas

Stockdale, TX · Cert 15346 · Peer group: banks under $1B in assets in TX (n=208-211) · Commerce Financial Corp.

State charter, non-member · FDIC · 2 branches

Q2 2026

$60.6MAssets
$23.8MLoans
$51.9MDeposits
$8.3MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in TX (rank 43 of 208).
  • Widest gap: efficiency ratio trails 96% of banks under $1B in assets in TX (rank 203 of 211).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

-0.18%

Rank 201 of 211

Net Interest Margin

2.77%

Rank 189 of 211

Efficiency Ratio

108.37%

Rank 203 of 211

Equity / Assets

13.64%

Rank 43 of 211

Non-interest income vs. expense

$0.1M$1.8MINCOMEEXPENSE
Unfavorable gap of $1.8M · efficiency ratio beats 4% of banks under $1B in assets in TX
Bank 108.37%Peer median 64.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets-0.18%0.87%1.20%1.65%Beats 5%201 / 211
Return on Equity-1.31%7.52%11.67%14.58%Beats 5%201 / 211
Net Interest Margin2.77%3.28%3.82%4.31%Beats 10%189 / 211
Efficiency Ratio108.37%53.01%64.18%73.65%Beats 4%203 / 211
Asset Quality
Nonperforming Loans / Loans2.64%0.01%0.30%1.10%Beats 9%191 / 208
Net Charge-Offs / Loans0.00%0.00%0.01%0.06%Beats 100%43 / 208
Capital
Tier 1 Capital Ratio12.68%11.72%14.45%19.57%Beats 36%134 / 211
Total Risk-Based Capital Ratio12.68%11.94%14.78%20.30%Beats 36%134 / 211
Equity / Assets13.64%9.41%11.06%12.94%Beats 80%43 / 211
Liquidity & Funding
Loans / Deposits45.90%45.39%66.56%82.03%25th pctl155 / 208
Loans / Assets39.29%39.13%56.90%70.46%25th pctl158 / 211
Brokered Deposits / Depositsn/aNot reported for this institution