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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.11% | 0.12% | 0.27% | 1.07% | -0.08% | 0.13% | -0.16% | -0.19% | -126 bps | |
| Return on Equity | 0.95% | 1.04% | 2.15% | 8.23% | -0.58% | 0.95% | -1.19% | -1.40% | -963 bps | |
| Net Interest Margin | 2.78% | 2.94% | 2.86% | 2.96% | 2.75% | 2.86% | 2.72% | 2.85% | -11 bps | |
| Efficiency Ratio | 95.42% | 95.36% | 105.01% | 68.82% | 102.14% | 101.15% | 107.75% | 108.97% | +4,015 bps | |
| Non-Interest Burden | 2.55% | 2.69% | 2.88% | 1.47% | 2.69% | 2.77% | 2.81% | 2.98% | +152 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 | |