Commodore Bank
Somerset, OH · Cert 2289 · Peer group: banks under $1B in assets operating in a single state (n=831-839)
FDIC · 3 branches
Q3 2024
$89.0MAssets
$49.4MLoans
$83.4MDeposits
$4.5MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 38% of banks under $1B in assets operating in a single state (rank 513 of 831).
- Widest gap: equity / assets trails 98% of banks under $1B in assets operating in a single state (rank 824 of 839).
- Overall: at or above the peer median on 0 of 9 directional measures.
Return on Assets
-0.32%
Rank 804 of 839
Net Interest Margin
2.60%
Rank 654 of 839
Efficiency Ratio
101.24%
Rank 785 of 839
Equity / Assets
5.10%
Rank 824 of 839
Non-interest income vs. expense
Unfavorable gap of $2.5M · efficiency ratio beats 7% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | -0.32% | 0.43% | 0.82% | 1.23% | Beats 4% | 804 / 839 | |
| Return on Equity | -6.19% | 4.40% | 8.26% | 11.89% | Beats 3% | 815 / 838 | |
| Net Interest Margin | 2.60% | 2.65% | 3.21% | 3.75% | Beats 22% | 654 / 839 | |
| Efficiency Ratio | 101.24% | 59.79% | 70.74% | 82.35% | Beats 7% | 785 / 839 | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.23% | 0.06% | 0.34% | 0.94% | Beats 6% | 780 / 831 | |
| Net Charge-Offs / Loans | 0.03% | 0.00% | 0.02% | 0.07% | Beats 38% | 513 / 831 | |
| Capital |
| Tier 1 Capital Ratio | 12.05% | 11.54% | 13.98% | 17.81% | Beats 30% | 588 / 839 | |
| Total Risk-Based Capital Ratio | 12.82% | 11.86% | 14.62% | 18.85% | Beats 33% | 566 / 839 | |
| Equity / Assets | 5.10% | 8.28% | 9.86% | 12.27% | Beats 2% | 824 / 839 | |
| Liquidity & Funding |
| Loans / Deposits | 59.30% | 60.71% | 77.12% | 90.27% | 24th pctl | 637 / 839 | |
| Loans / Assets | 55.53% | 52.08% | 65.62% | 75.95% | 30th pctl | 581 / 831 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |