Roswell, NM · Cert 22600 · Commerce Bancshares Roswell Employee STK Ownership Plan
State charter, non-member · FDIC · 3 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 under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
87
Asset Quality
53
Profitability
97
Liquidity
45
Efficiency
98
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.
Roswell, NM · Cert 22600 · Commerce Bancshares Roswell Employee STK Ownership Plan
State charter, non-member · FDIC · 3 branches
Q2 2026
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 | 3.15% | 2.97% | 2.16% | 2.67% | 2.76% | 2.76% | 2.74% | 2.77% | +10 bps | |
| Return on Equity | 25.52% | 23.47% | 18.08% | 21.15% | 20.89% | 20.43% | 19.25% | 19.44% | -171 bps | |
| Net Interest Margin | 6.20% | 6.08% | 4.99% | 5.29% | 5.44% | 5.67% | 5.53% | 5.47% | +18 bps | |
| Efficiency Ratio | 30.76% | 30.97% | 35.23% | 34.97% | 35.42% | 35.53% | 36.93% | 37.91% | +295 bps | |
| Non-Interest Burden | 1.75% | 1.72% | 1.62% | 1.70% | 1.75% | 1.81% | 1.86% | 1.89% | +20 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -11.86% | -13.92% | 27.94% | 2.33% | 0.40% | 4.58% | -13.98% | 13.61% | +1,128 bps | |
| Loan Growth (YoY) | -8.93% | -6.18% | -6.20% | -4.68% | 0.78% | 6.00% | 10.81% | 9.60% | +1,428 bps | |
| Deposit Growth (YoY) | -15.23% | -17.07% | 30.57% | 1.21% | -1.02% | 3.65% | -17.39% | 13.58% | +1,238 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 4.43% | 3.54% | 3.07% | 3.16% | 4.21% | 3.26% | 3.05% | 3.32% | +16 bps | |
| Net Charge-Offs / Loans | 0.53% | 1.01% | -0.09% | 0.06% | 0.01% | 0.48% | -0.12% | -0.15% | -21 bps | |
| Allowance / Loans | 1.69% | 1.72% | 2.12% | 2.09% | 1.99% | 1.69% | 1.76% | 1.84% | -25 bps | |
| Allowance Coverage of NPLs | 0.4x | 0.5x | 0.7x | 0.7x | 0.5x | 0.5x | 0.6x | 0.6x | -0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 14.03% | 14.30% | 11.45% | 12.37% | 13.79% | 14.94% | 14.00% | 14.47% | +211 bps | |
| Total Risk-Based Capital | 24.18% | 25.06% | 24.42% | 25.39% | 25.82% | 25.04% | 23.11% | 24.56% | -83 bps | |
| Equity / Assets | 13.90% | 13.91% | 10.33% | 14.31% | 15.15% | 14.63% | 13.85% | 14.32% | +1 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 66.24% | 61.87% | 46.82% | 62.88% | 67.44% | 63.28% | 62.80% | 60.68% | -220 bps | |
| Liquid Assets / Assets | 34.06% | 38.29% | 52.47% | 38.69% | 34.80% | 38.91% | 39.97% | 42.58% | +390 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 61.93% | 63.60% | 73.60% | n/a | n/a | |
Roswell, NM · Cert 22600 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Commerce Bancshares Roswell Employee STK Ownership Plan
State charter, non-member · FDIC · 3 branches
Q2 2026
Return on Assets
2.71%
Rank 15 of 746
Net Interest Margin
5.47%
Rank 13 of 746
Efficiency Ratio
37.91%
Rank 15 of 746
Equity / Assets
14.32%
Rank 123 of 746
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 2.71% | 0.72% | 1.06% | 1.45% | Beats 98% | 15 / 746 | ||
| Return on Equity | 18.96% | 6.74% | 10.51% | 13.63% | Beats 95% | 38 / 746 | ||
| Net Interest Margin | 5.47% | 3.17% | 3.68% | 4.16% | Beats 98% | 13 / 746 | ||
| Efficiency Ratio | 37.91% | 55.74% | 64.58% | 75.47% | Beats 98% | 15 / 746 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 3.32% | 0.09% | 0.42% | 1.07% | Beats 5% | 709 / 743 | ||
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 100% | 185 / 743 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 23.30% | 11.55% | 13.75% | 17.60% | Beats 89% | 81 / 746 | ||
| Total Risk-Based Capital Ratio | 24.56% | 11.71% | 14.33% | 18.43% | Beats 89% | 79 / 746 | ||
| Equity / Assets | 14.32% | 8.90% | 10.51% | 13.06% | Beats 84% | 123 / 746 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 60.68% | 61.31% | 78.27% | 90.78% | 24th pctl | 568 / 746 | ||
| Loans / Assets | 51.92% | 53.60% | 66.97% | 76.08% | 22nd pctl | 581 / 746 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||