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Commerce Bank

Corinth, MS · Cert 34938 · Commerce Holding Corp.

State charter, Fed member · FED · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

38

Q2 2024Q2 2026peer median (50)

Asset Quality

14

Q2 2024Q2 2026peer median (50)

Profitability

94

Q2 2024Q2 2026peer median (50)

Liquidity

97

Q2 2024Q2 2026peer median

Efficiency

76

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Commerce Bank

Corinth, MS · Cert 34938 · Commerce Holding Corp.

State charter, Fed member · FED · 1 branch

Q2 2026

$167.9MAssets
$117.3MLoans
$149.0MDeposits
$17.1MEquity
Loan mix
70%RE $76.6M24%C&I $26.0M7%Consumer $7.5MQ2 2025Q2 2026
Deposit mix
58%Interest-bearing $85.9M42%Noninterest $63.1MQ2 2025Q2 2026

NIM

5.69%Q2 ’246.00%Q2 ’255.96%Q2 ’26+10%-2%

Non-interest income vs. expense

3.28%Q2 ’243.21%Q2 ’253.28%Q2 ’26-4%+0%

Executive Summary

  • Earnings: ROA of 1.95%, down 5 bps year over year; NIM at 5.04%.
  • Asset quality: problem loans at 1.72% of loans (+42 bps YoY), with net charge-offs at 0.22%.
  • Capital: tier 1 leverage ratio of 12.46%, down 8 bps from a year ago.
  • Funding: loans stand at 78.74% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.95%-5 bps YoY

Net Interest Margin (YTD, annualized)

5.04%-8 bps YoY

Efficiency Ratio (YTD, annualized)

55.58%+135 bps YoY

Tier 1 Leverage Ratio

12.46%-8 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.99%1.95%1.89%1.99%1.95%-5 bps
Return on Equity21.13%20.08%19.25%19.67%19.17%-196 bps
Net Interest Margin5.11%5.12%5.08%5.01%5.04%-8 bps
Efficiency Ratio54.23%55.01%56.67%54.59%55.58%+135 bps
Non-Interest Burden2.41%2.46%2.54%2.28%2.42%+1 bps
Growth
Asset Growth (YoY)-0.35%1.58%2.11%3.24%6.10%+645 bps
Loan Growth (YoY)3.69%3.51%5.53%6.61%8.14%+444 bps
Deposit Growth (YoY)-2.52%-1.97%-1.98%1.31%7.41%+993 bps
Asset Quality
Nonperforming Loans / Loans1.31%0.97%1.14%1.66%1.72%+42 bps
Net Charge-Offs / Loans0.16%0.13%0.20%0.15%0.22%+6 bps
Allowance / Loans1.56%1.60%1.53%1.55%1.48%-9 bps
Allowance Coverage of NPLs1.2x1.7x1.3x0.9x0.9x-0.3x
Capital
Tier 1 Leverage Ratio12.54%12.77%12.03%12.65%12.46%-8 bps
Total Risk-Based Capital12.54%12.77%12.03%12.65%12.46%-8 bps
Equity / Assets9.93%10.56%10.15%10.11%10.21%+29 bps
Liquidity & Funding
Loans / Deposits78.21%80.03%80.94%77.54%78.74%+53 bps
Liquid Assets / Assets1.06%1.22%0.97%2.00%3.84%+279 bps
CRE / Total Capitaln/a91.39%102.82%94.44%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Commerce Bank

Corinth, MS · Cert 34938 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Commerce Holding Corp.

State charter, Fed member · FED · 1 branch

Q2 2026

$167.9MAssets
$117.3MLoans
$149.0MDeposits
$17.1MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 96% of banks under $1B in assets operating in a single state (rank 31 of 746).
  • Widest gap: net charge-offs / loans trails 87% of banks under $1B in assets operating in a single state (rank 644 of 743).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

1.90%

Rank 59 of 746

Net Interest Margin

5.04%

Rank 31 of 746

Efficiency Ratio

55.58%

Rank 183 of 746

Equity / Assets

10.21%

Rank 398 of 746

Non-interest income vs. expense

$1.4M$5.5MINCOMEEXPENSE
Unfavorable gap of $4.0M · efficiency ratio beats 76% of banks under $1B in assets operating in a single state
Bank 55.58%Peer median 64.6%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.90%0.72%1.06%1.45%Beats 92%59 / 746
Return on Equity18.59%6.74%10.51%13.63%Beats 94%45 / 746
Net Interest Margin5.04%3.17%3.68%4.16%Beats 96%31 / 746
Efficiency Ratio55.58%55.74%64.58%75.47%Beats 76%183 / 746
Asset Quality
Nonperforming Loans / Loans1.72%0.09%0.42%1.07%Beats 15%634 / 743
Net Charge-Offs / Loans0.11%0.00%0.01%0.05%Beats 13%644 / 743
Capital
Tier 1 Capital Ratio12.46%11.55%13.75%17.60%Beats 36%476 / 746
Total Risk-Based Capital Ratio12.46%11.71%14.33%18.43%Beats 32%506 / 746
Equity / Assets10.21%8.90%10.51%13.06%Beats 47%398 / 746
Liquidity & Funding
Loans / Deposits78.74%61.31%78.27%90.78%51st pctl365 / 746
Loans / Assets69.86%53.60%66.97%76.08%57th pctl320 / 746
Brokered Deposits / Depositsn/aNot reported for this institution