Storm Lake, IA · Cert 15555 · Commercial Financial Corp.
State charter, Fed member · FED · 23 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 $1B-$10B in assets operating regionally (n=176). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
29
Asset Quality
79
Profitability
28
Liquidity
0
Efficiency
19
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.
Storm Lake, IA · Cert 15555 · Commercial Financial Corp.
State charter, Fed member · FED · 23 branches
Q2 2026
Market Position · Sioux City, IA-NE-SD · 2026 SOD (annual) · 10.8% share · #2 of 28 inst. · $0.5B of $4.6B
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 | 0.54% | 0.51% | 0.57% | 0.67% | 0.77% | 0.79% | 0.83% | 0.96% | +28 bps | |
| Return on Equity | 5.81% | 5.56% | 6.15% | 7.03% | 7.91% | 8.07% | 8.11% | 9.27% | +223 bps | |
| Net Interest Margin | 2.56% | 2.60% | 2.77% | 2.93% | 2.94% | 3.04% | 3.34% | 3.39% | +45 bps | |
| Efficiency Ratio | 77.49% | 78.88% | 78.30% | 75.49% | 73.26% | 73.07% | 75.29% | 70.47% | -502 bps | |
| Non-Interest Burden | 1.85% | 1.92% | 2.02% | 2.03% | 1.95% | 2.01% | 2.30% | 2.13% | +10 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.20% | 1.47% | 0.04% | -1.75% | 3.49% | 4.31% | 2.72% | 5.45% | +720 bps | |
| Loan Growth (YoY) | 4.04% | 0.82% | -1.47% | -1.70% | -0.29% | 2.78% | 4.65% | 5.53% | +723 bps | |
| Deposit Growth (YoY) | 6.92% | 5.99% | 2.55% | 0.64% | 4.65% | 3.48% | 1.52% | 3.19% | +256 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.03% | 0.04% | 0.06% | 0.11% | 0.07% | 0.06% | 0.35% | 0.32% | +22 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.01% | 0.00% | 0.04% | 0.03% | 0.00% | 0.00% | 0.00% | -4 bps | |
| Allowance / Loans | 1.02% | 1.04% | 1.05% | 1.02% | 1.00% | 1.01% | 1.01% | 0.99% | -3 bps | |
| Allowance Coverage of NPLs | 29.9x | 24.2x | 16.7x | 9.6x | 14.3x | 15.9x | 2.9x | 3.1x | -6.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.09% | 9.05% | 8.96% | 10.00% | 9.71% | 9.85% | 9.99% | 10.09% | +9 bps | |
| Total Risk-Based Capital | 10.57% | 10.56% | 10.61% | 11.42% | 11.48% | 11.52% | 11.46% | 11.55% | +13 bps | |
| Equity / Assets | 9.28% | 9.22% | 9.22% | 10.29% | 10.05% | 10.23% | 10.35% | 10.35% | +6 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 105.87% | 103.79% | 101.50% | 104.29% | 100.86% | 103.09% | 104.63% | 106.65% | +236 bps | |
| Liquid Assets / Assets | 1.35% | 1.74% | 3.08% | 0.83% | 3.90% | 2.38% | 1.05% | 1.10% | +27 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 431% | 437% | 438% | n/a | n/a | |
Storm Lake, IA · Cert 15555 · Peer group: banks $1B-$10B in assets operating regionally (n=176) · Commercial Financial Corp.
State charter, Fed member · FED · 23 branches
Q2 2026
Return on Assets
0.95%
Rank 130 of 176
Net Interest Margin
3.39%
Rank 114 of 176
Efficiency Ratio
70.53%
Rank 144 of 176
Equity / Assets
10.35%
Rank 88 of 176
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.95% | 0.93% | 1.26% | 1.54% | Beats 26% | 130 / 176 | ||
| Return on Equity | 9.13% | 9.26% | 11.89% | 14.46% | Beats 23% | 135 / 176 | ||
| Net Interest Margin | 3.39% | 3.25% | 3.59% | 3.93% | Beats 35% | 114 / 176 | ||
| Efficiency Ratio | 70.53% | 52.79% | 59.55% | 67.66% | Beats 19% | 144 / 176 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.32% | 0.30% | 0.64% | 1.32% | Beats 72% | 51 / 176 | ||
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.04% | 0.10% | Beats 86% | 27 / 176 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.60% | 11.15% | 12.72% | 14.15% | Beats 16% | 147 / 176 | ||
| Total Risk-Based Capital Ratio | 11.55% | 11.81% | 13.63% | 15.33% | Beats 20% | 140 / 176 | ||
| Equity / Assets | 10.35% | 9.16% | 10.35% | 11.80% | Beats 50% | 88 / 176 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 106.65% | 80.94% | 89.73% | 97.21% | 97th pctl | 6 / 176 | ||
| Loans / Assets | 87.24% | 69.25% | 75.12% | 80.82% | 98th pctl | 4 / 176 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||