Roswell, NM · Cert 22600 · Commerce Bancshares Roswell Employee STK Ownership Plan
State charter, non-member · FDIC · 3 branches
Q2 2026
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 | 3.15% | 2.46% | 2.16% | 2.99% | 3.03% | 2.83% | 2.74% | 2.81% | -18 bps | |
| Return on Equity | 23.15% | 17.72% | 18.08% | 24.79% | 20.60% | 19.02% | 19.25% | 19.93% | -486 bps | |
| Net Interest Margin | 6.02% | 6.22% | 4.99% | 5.55% | 5.17% | 5.86% | 5.53% | 5.53% | -2 bps | |
| Efficiency Ratio | 29.27% | 31.56% | 35.23% | 34.73% | 36.38% | 35.84% | 36.93% | 38.88% | +415 bps | |
| Non-Interest Burden | 1.58% | 1.77% | 1.62% | 1.77% | 1.66% | 1.85% | 1.86% | 1.97% | +21 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 | 1.21% | 2.40% | -0.09% | 0.21% | -0.09% | 1.91% | -0.12% | -0.17% | -38 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 | |