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Letter portraitLegal landscapeQuarterYTD

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