Commerce Bank
Laredo, TX · Cert 23772 · Peer group: banks under $1B in assets in TX (n=208-211) · International Bancshares Corp.
State charter, non-member · FDIC · 4 affiliate banks · 3 branches (174 in holding)
Q2 2026
$762.5MAssets
$195.1MLoans
$664.5MDeposits
$78.9MEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 97% of banks under $1B in assets in TX (rank 7 of 211).
- Widest gap: net interest margin trails 91% of banks under $1B in assets in TX (rank 191 of 211).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.77%
Rank 37 of 211
Net Interest Margin
2.73%
Rank 191 of 211
Efficiency Ratio
34.27%
Rank 7 of 211
Equity / Assets
10.35%
Rank 131 of 211
Non-interest income vs. expense
Unfavorable gap of $2.9M · efficiency ratio beats 97% of banks under $1B in assets in TX | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.77% | 0.87% | 1.20% | 1.65% | Beats 82% | 37 / 211 | |
| Return on Equity | 17.10% | 7.52% | 11.67% | 14.58% | Beats 86% | 29 / 211 | |
| Net Interest Margin | 2.73% | 3.28% | 3.82% | 4.31% | Beats 9% | 191 / 211 | |
| Efficiency Ratio | 34.27% | 53.01% | 64.18% | 73.65% | Beats 97% | 7 / 211 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.03% | 0.01% | 0.30% | 1.10% | Beats 72% | 60 / 208 | |
| Net Charge-Offs / Loans | 0.11% | 0.00% | 0.01% | 0.06% | Beats 16% | 175 / 208 | |
| Capital |
| Tier 1 Capital Ratio | 29.75% | 11.72% | 14.45% | 19.57% | Beats 89% | 23 / 211 | |
| Total Risk-Based Capital Ratio | 30.73% | 11.94% | 14.78% | 20.30% | Beats 89% | 24 / 211 | |
| Equity / Assets | 10.35% | 9.41% | 11.06% | 12.94% | Beats 38% | 131 / 211 | |
| Liquidity & Funding |
| Loans / Deposits | 29.36% | 45.39% | 66.56% | 82.03% | 9th pctl | 189 / 208 | |
| Loans / Assets | 25.59% | 39.13% | 56.90% | 70.46% | 11th pctl | 188 / 211 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |