Corinth, MS · Cert 34938 · Commerce Holding Corp.
State charter, Fed member · FED · 1 branch
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.49% | 1.56% | 1.89% | 1.99% | 1.95% | 1.89% | 1.99% | 1.95% | -5 bps | |
| Return on Equity | 16.51% | 17.28% | 20.56% | 21.13% | 20.08% | 19.25% | 19.67% | 19.17% | -196 bps | |
| Net Interest Margin | 4.73% | 4.75% | 5.05% | 5.11% | 5.12% | 5.08% | 5.01% | 5.04% | -8 bps | |
| Efficiency Ratio | 60.17% | 57.80% | 55.85% | 54.23% | 55.01% | 56.67% | 54.59% | 55.58% | +135 bps | |
| Non-Interest Burden | 2.56% | 2.36% | 2.45% | 2.41% | 2.46% | 2.54% | 2.28% | 2.42% | +1 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.62% | 0.54% | 0.15% | -0.35% | 1.58% | 2.11% | 3.24% | 6.10% | +645 bps | |
| Loan Growth (YoY) | 5.96% | 4.82% | 3.47% | 3.69% | 3.51% | 5.53% | 6.61% | 8.14% | +444 bps | |
| Deposit Growth (YoY) | -0.20% | 1.48% | -1.38% | -2.52% | -1.97% | -1.98% | 1.31% | 7.41% | +993 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.59% | 1.05% | 0.75% | 1.31% | 0.97% | 1.14% | 1.66% | 1.72% | +42 bps | |
| Net Charge-Offs / Loans | 0.25% | 0.26% | 0.25% | 0.16% | 0.13% | 0.20% | 0.15% | 0.22% | +6 bps | |
| Allowance / Loans | 1.53% | 1.55% | 1.55% | 1.56% | 1.60% | 1.53% | 1.55% | 1.48% | -9 bps | |
| Allowance Coverage of NPLs | 2.6x | 1.5x | 2.1x | 1.2x | 1.7x | 1.3x | 0.9x | 0.9x | -0.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.91% | 11.67% | 12.41% | 12.54% | 12.77% | 12.03% | 12.65% | 12.46% | -8 bps | |
| Total Risk-Based Capital | 11.91% | 11.67% | 12.41% | 12.54% | 12.77% | 12.03% | 12.65% | 12.46% | -8 bps | |
| Equity / Assets | 9.63% | 8.85% | 9.51% | 9.93% | 10.56% | 10.15% | 10.11% | 10.21% | +29 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 75.80% | 75.18% | 73.68% | 78.21% | 80.03% | 80.94% | 77.54% | 78.74% | +53 bps | |
| Liquid Assets / Assets | 1.04% | 0.65% | 2.23% | 1.06% | 1.22% | 0.97% | 2.00% | 3.84% | +279 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 91.39% | 102.82% | 94.44% | n/a | n/a | |