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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

4.73%Q2 ’244.20%Q2 ’253.98%Q2 ’26+1%-4%

Non-interest income vs. expense

2.58%Q2 ’243.00%Q2 ’253.12%Q2 ’26-39%+103%

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 -0.19%, down 126 bps year over year; NIM at 2.85%.
  • 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 (quarter, annualized)

-0.19%-126 bps YoY

Net Interest Margin (quarter, annualized)

2.85%-11 bps YoY

Efficiency Ratio (quarter, annualized)

108.97%+4,015 bps YoY

Tier 1 Leverage Ratio

12.68%-31 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.07%-0.08%0.13%-0.16%-0.19%-126 bps
Return on Equity8.23%-0.58%0.95%-1.19%-1.40%-963 bps
Net Interest Margin2.96%2.75%2.86%2.72%2.85%-11 bps
Efficiency Ratio68.82%102.14%101.15%107.75%108.97%+4,015 bps
Non-Interest Burden1.47%2.69%2.77%2.81%2.98%+152 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