Commercial Bank
Saint Louis, MO · Cert 27409 · Peer group: banks under $1B in assets in the St. Louis, MO-IL area (n=38-40) · Commercial Bancshares Inc.
State charter, non-member · FDIC · 4 branches
Q2 2026
$282.9MAssets
$198.2MLoans
$246.5MDeposits
$15.4MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 45% of banks under $1B in assets in the St. Louis, MO-IL area (rank 22 of 40).
- Widest gap: equity / assets trails 100% of banks under $1B in assets in the St. Louis, MO-IL area (rank 40 of 40).
- Overall: at or above the peer median on 0 of 9 directional measures.
Return on Assets
0.46%
Rank 33 of 40
Net Interest Margin
3.22%
Rank 22 of 40
Efficiency Ratio
80.28%
Rank 33 of 40
Equity / Assets
5.45%
Rank 40 of 40
Non-interest income vs. expense
Unfavorable gap of $7.3M · efficiency ratio beats 20% of banks under $1B in assets in the St. Louis, MO-IL area | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.46% | 0.64% | 1.04% | 1.26% | Beats 18% | 33 / 40 | |
| Return on Equity | 8.41% | 6.25% | 9.97% | 13.41% | Beats 38% | 25 / 40 | |
| Net Interest Margin | 3.22% | 3.09% | 3.22% | 3.62% | Beats 45% | 22 / 40 | |
| Efficiency Ratio | 80.28% | 57.08% | 64.37% | 75.86% | Beats 20% | 33 / 40 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.00% | 0.14% | 0.62% | 1.92% | Beats 42% | 23 / 38 | |
| Net Charge-Offs / Loans | 0.11% | 0.00% | 0.01% | 0.09% | Beats 18% | 32 / 38 | |
| Capital |
| Tier 1 Capital Ratio | 10.86% | 10.29% | 12.88% | 15.77% | Beats 33% | 27 / 40 | |
| Total Risk-Based Capital Ratio | 11.95% | 10.64% | 13.30% | 17.01% | Beats 38% | 25 / 40 | |
| Equity / Assets | 5.45% | 8.59% | 9.46% | 12.46% | Beats 0% | 40 / 40 | |
| Liquidity & Funding |
| Loans / Deposits | 80.41% | 66.12% | 79.48% | 94.60% | 53rd pctl | 19 / 40 | |
| Loans / Assets | 70.05% | 54.69% | 68.52% | 77.46% | 57th pctl | 17 / 40 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |