Stockdale, TX · Cert 15346 · Commerce Financial Corp.
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 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.
Capital
51
Asset Quality
55
Profitability
7
Liquidity
43
Efficiency
4
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.
Stockdale, TX · Cert 15346 · Commerce Financial Corp.
State charter, non-member · FDIC · 2 branches
Q2 2026
Market Position · San Antonio-New Braunfels, TX · 2026 SOD (annual) · 0.0% share · #55 of 66 inst. · $0.1B of $175.0B
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.24% | 0.21% | 0.27% | 0.67% | 0.42% | 0.34% | -0.16% | -0.18% | -84 bps | |
| Return on Equity | 2.11% | 1.85% | 2.15% | 5.24% | 3.23% | 2.64% | -1.19% | -1.29% | -654 bps | |
| Net Interest Margin | 2.85% | 2.91% | 2.86% | 2.89% | 2.78% | 2.81% | 2.72% | 2.77% | -11 bps | |
| Efficiency Ratio | 89.93% | 91.29% | 105.01% | 82.99% | 88.39% | 91.28% | 107.75% | 108.37% | +2,538 bps | |
| Non-Interest Burden | 2.45% | 2.54% | 2.88% | 2.15% | 2.29% | 2.42% | 2.81% | 2.89% | +74 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.89% | -7.51% | -10.39% | -4.60% | -5.89% | -0.53% | 3.43% | -3.92% | +67 bps | |
| Loan Growth (YoY) | 0.26% | -19.66% | -25.48% | -32.76% | -26.87% | -21.56% | -9.16% | 5.82% | +3,857 bps | |
| Deposit Growth (YoY) | 1.51% | 8.14% | 4.48% | 11.51% | 7.48% | 5.83% | 3.20% | -4.51% | -1,601 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 1.50% | 1.38% | 3.54% | 2.80% | 2.64% | +114 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.92% | 1.02% | 0.90% | 0.99% | 0.91% | 0.89% | 0.88% | 0.83% | -16 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | 0.7x | 0.7x | 0.3x | 0.3x | 0.3x | -0.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.40% | 11.64% | 12.91% | 13.00% | 12.58% | 12.68% | 12.82% | 12.68% | -31 bps | |
| Total Risk-Based Capital | 11.40% | 11.64% | 12.91% | 13.00% | 12.58% | 12.68% | 12.82% | 12.68% | -31 bps | |
| Equity / Assets | 11.80% | 12.17% | 13.24% | 12.81% | 13.28% | 13.75% | 13.74% | 13.64% | +83 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 66.79% | 56.64% | 49.16% | 41.42% | 45.44% | 41.98% | 43.27% | 45.90% | +448 bps | |
| Liquid Assets / Assets | 18.66% | 20.56% | 21.63% | 29.71% | 25.93% | 28.49% | 26.69% | 24.59% | -513 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 146.18% | 129.92% | 139.03% | n/a | n/a | |
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
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
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer 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 Margin | 2.77% | 3.28% | 3.82% | 4.31% | Beats 10% | 189 / 211 | ||
| Efficiency Ratio | 108.37% | 53.01% | 64.18% | 73.65% | Beats 4% | 203 / 211 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 2.64% | 0.01% | 0.30% | 1.10% | Beats 9% | 191 / 208 | ||
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.06% | Beats 100% | 43 / 208 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.68% | 11.72% | 14.45% | 19.57% | Beats 36% | 134 / 211 | ||
| Total Risk-Based Capital Ratio | 12.68% | 11.94% | 14.78% | 20.30% | Beats 36% | 134 / 211 | ||
| Equity / Assets | 13.64% | 9.41% | 11.06% | 12.94% | Beats 80% | 43 / 211 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 45.90% | 45.39% | 66.56% | 82.03% | 25th pctl | 155 / 208 | ||
| Loans / Assets | 39.29% | 39.13% | 56.90% | 70.46% | 25th pctl | 158 / 211 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||