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
Unfavorable gap of $1.8M · efficiency ratio beats 4% of banks under $1B in assets in TX | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 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 |