Topeka, KS · Cert 18100 · Commerce B&T Holding Employee STK Ownership Plan
State charter, non-member · FDIC · 13 branches
Q2 2026
Market Position · Topeka, KS · 2026 SOD (annual) · 13.8% share · #2 of 30 inst. · $1.0B of $7.1B
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 | 0.64% | 0.62% | 0.80% | 0.84% | 1.06% | 1.08% | 1.17% | 1.26% | +42 bps | |
| Return on Equity | 12.60% | 12.10% | 15.12% | 15.78% | 19.53% | 19.64% | 20.49% | 21.47% | +569 bps | |
| Net Interest Margin | 2.75% | 2.82% | 3.06% | 3.09% | 3.11% | 3.20% | 3.42% | 3.56% | +47 bps | |
| Efficiency Ratio | 77.19% | 75.96% | 73.67% | 72.52% | 68.04% | 67.81% | 65.00% | 64.31% | -821 bps | |
| Non-Interest Burden | 1.82% | 1.82% | 1.92% | 1.89% | 1.65% | 1.72% | 1.77% | 1.83% | -6 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.40% | -3.47% | -4.52% | 0.69% | 1.06% | 4.30% | 8.60% | 0.71% | +2 bps | |
| Loan Growth (YoY) | -0.06% | -1.17% | -0.83% | 2.97% | 5.75% | 5.07% | 9.51% | 6.26% | +329 bps | |
| Deposit Growth (YoY) | 5.40% | 5.25% | 0.33% | 1.29% | -0.12% | 2.29% | 3.90% | 2.93% | +163 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.68% | 0.42% | 0.35% | 0.32% | 0.29% | 0.44% | 0.22% | 0.21% | -10 bps | |
| Net Charge-Offs / Loans | 0.29% | 0.43% | 0.17% | 0.12% | 0.13% | 0.13% | 0.15% | 0.09% | -3 bps | |
| Allowance / Loans | 0.99% | 0.95% | 0.98% | 0.98% | 0.99% | 0.97% | 0.97% | 1.02% | +4 bps | |
| Allowance Coverage of NPLs | 1.5x | 2.3x | 2.8x | 3.1x | 3.4x | 2.2x | 4.4x | 4.8x | +1.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.45% | 8.33% | 8.44% | 8.53% | 8.65% | 8.43% | 8.42% | 8.66% | +13 bps | |
| Total Risk-Based Capital | 13.24% | 12.88% | 13.25% | 13.05% | 13.06% | 12.72% | 12.64% | 12.81% | -23 bps | |
| Equity / Assets | 5.66% | 5.11% | 5.44% | 5.35% | 5.84% | 5.75% | 5.72% | 6.11% | +77 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 78.70% | 80.40% | 77.63% | 81.27% | 83.32% | 82.59% | 81.81% | 83.91% | +263 bps | |
| Liquid Assets / Assets | 16.04% | 11.59% | 11.73% | 12.78% | 14.10% | 13.44% | 14.74% | 10.25% | -253 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 413% | 431% | 442% | n/a | n/a | |