Saint Louis, MO · Cert 27409 · Commercial Bancshares Inc.
State charter, non-member · FDIC · 4 branches
Q2 2026
Market Position · St. Louis, MO-IL · 2026 SOD (annual) · 0.2% share · #63 of 111 inst. · $0.2B of $141.7B
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 | 0.24% | 0.35% | 0.25% | 0.31% | 0.46% | 0.45% | 0.39% | 0.54% | +23 bps | |
| Return on Equity | 5.77% | 8.07% | 5.85% | 6.87% | 9.23% | 8.40% | 7.15% | 9.87% | +300 bps | |
| Net Interest Margin | 2.63% | 2.94% | 2.84% | 3.03% | 3.17% | 3.29% | 3.11% | 3.36% | +32 bps | |
| Efficiency Ratio | 90.08% | 86.82% | 90.16% | 86.59% | 82.46% | 80.51% | 81.84% | 78.80% | -779 bps | |
| Non-Interest Burden | 2.35% | 2.52% | 2.54% | 2.59% | 2.56% | 2.57% | 2.48% | 2.59% | 0 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.42% | -5.67% | -1.14% | 1.45% | -2.31% | 2.85% | -1.15% | -0.87% | -232 bps | |
| Loan Growth (YoY) | -0.52% | -2.64% | 5.20% | 7.27% | 5.97% | 10.70% | 6.25% | 10.34% | +307 bps | |
| Deposit Growth (YoY) | 0.78% | -0.77% | 0.16% | -1.51% | -3.65% | 0.17% | -3.43% | -1.49% | +2 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.50% | 0.42% | 0.51% | 0.74% | 0.68% | 0.98% | 1.00% | 1.00% | +27 bps | |
| Net Charge-Offs / Loans | 0.01% | -0.06% | -0.08% | 0.26% | -0.14% | -0.04% | 0.25% | 0.08% | -18 bps | |
| Allowance / Loans | 1.17% | 1.20% | 1.16% | 1.15% | 1.20% | 1.20% | 1.16% | 1.14% | -1 bps | |
| Allowance Coverage of NPLs | 2.3x | 2.8x | 2.3x | 1.6x | 1.8x | 1.2x | 1.2x | 1.1x | -0.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 7.52% | 7.64% | 7.75% | 7.73% | 7.87% | 7.89% | 7.95% | 7.93% | +20 bps | |
| Total Risk-Based Capital | 11.80% | 11.96% | 11.58% | 11.74% | 12.07% | 11.94% | 12.03% | 11.95% | +21 bps | |
| Equity / Assets | 4.72% | 4.03% | 4.40% | 4.65% | 5.23% | 5.44% | 5.48% | 5.45% | +80 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 67.24% | 69.99% | 71.09% | 71.79% | 73.95% | 77.35% | 78.21% | 80.41% | +862 bps | |
| Liquid Assets / Assets | 3.77% | 2.32% | 3.06% | 4.76% | 2.11% | 2.53% | 2.60% | 2.34% | -242 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 375% | 394% | 384% | n/a | n/a | |