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Commerce Bank & Trust

Winter Park, FL · Cert 57429 · Commerce Natl Bankshares FL

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 assets3

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 (n=573 to 620). 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

39

Q2 2024Q2 2026peer median (50)

Asset Quality

53

Q2 2024Q2 2026peer median (50)

Profitability

38

Q2 2024Q2 2026peer median (50)

Liquidity

92

Q2 2024Q2 2026peer median

Efficiency

42

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 2026-10-10

Commerce Bank & Trust

Winter Park, FL · Cert 57429 · Commerce Natl Bankshares FL

State charter, Fed member · FED · 1 branch

Q2 2026

$197.9MAssets
$129.9MLoans
$168.8MDeposits
$14.8MEquity
Loan mix
89%RE $116.1M7%C&I $9.3M4%Consumer $5.6MQ2 2025Q2 2026
Deposit mix
74%Interest-bearing $124.4M26%Noninterest $44.4MQ2 2025Q2 2026

NIM

4.80%Q2 ’244.93%Q2 ’254.91%Q2 ’26+20%-1%

Non-interest income vs. expense

2.35%Q2 ’242.59%Q2 ’252.43%Q2 ’26+11%-6%

Market Position · Orlando-Kissimmee-Sanford, FL · 2026 SOD (annual) · 0.2% share · #29 of 49 inst. · $0.2B of $68.8B

Executive Summary

  • Earnings: ROA of 0.72%, up 6 bps year over year; NIM at 3.24%.
  • Asset quality: problem loans at 3.44% of loans (+160 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 10.46%, up 20 bps from a year ago.
  • Funding: loans stand at 76.95% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.72%+6 bps YoY

Net Interest Margin (YTD, annualized)

3.24%-4 bps YoY

Efficiency Ratio (YTD, annualized)

71.42%-327 bps YoY

Tier 1 Leverage Ratio

10.46%+20 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.66%0.60%0.51%0.68%0.72%+6 bps
Return on Equity9.64%8.53%7.24%8.98%9.53%-11 bps
Net Interest Margin3.29%3.22%3.21%3.16%3.24%-4 bps
Efficiency Ratio74.69%76.42%76.07%73.02%71.42%-327 bps
Non-Interest Burden2.41%2.41%2.39%2.27%2.27%-13 bps
Growth
Asset Growth (YoY)-2.54%2.08%9.88%5.32%17.31%+1,985 bps
Loan Growth (YoY)2.54%-1.11%0.02%3.47%1.97%-57 bps
Deposit Growth (YoY)-8.03%-4.36%6.15%0.87%18.16%+2,619 bps
Asset Quality
Nonperforming Loans / Loans1.84%1.99%2.31%2.19%3.44%+160 bps
Net Charge-Offs / Loans0.00%0.00%0.01%0.00%0.00%0 bps
Allowance / Loans1.43%1.46%1.65%1.58%1.60%+16 bps
Allowance Coverage of NPLs0.8x0.7x0.7x0.7x0.5x-0.3x
Capital
Tier 1 Leverage Ratio10.26%10.41%10.48%10.17%10.46%+20 bps
Total Risk-Based Capital14.19%14.54%15.01%14.83%15.38%+118 bps
Equity / Assets7.29%7.52%7.30%7.76%7.48%+19 bps
Liquidity & Funding
Loans / Deposits89.17%84.59%75.70%85.40%76.95%-1,222 bps
Liquid Assets / Assets4.65%9.79%16.80%9.65%18.08%+1,343 bps
CRE / Total Capitaln/a443%437%411%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 2026-10-10

Commerce Bank & Trust

Winter Park, FL · Cert 57429 · Peer group: banks under $1B in assets (n=573-620) · Commerce Natl Bankshares FL

State charter, Fed member · FED · 1 branch

Q2 2026

$197.9MAssets
$129.9MLoans
$168.8MDeposits
$14.8MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets (rank 162 of 573).
  • Widest gap: nonperforming loans / loans trails 95% of banks under $1B in assets (rank 544 of 573).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

0.68%

Rank 437 of 620

Net Interest Margin

3.24%

Rank 401 of 620

Efficiency Ratio

71.42%

Rank 363 of 620

Equity / Assets

7.48%

Rank 571 of 620

Non-interest income vs. expense

$0.3M$4.4MINCOMEEXPENSE
Unfavorable gap of $4.1M · efficiency ratio beats 42% of banks under $1B in assets
Bank 71.42%Peer median 68.1%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.68%0.60%1.00%1.45%Beats 30%437 / 620
Return on Equity9.12%5.30%9.30%13.29%Beats 48%322 / 620
Net Interest Margin3.24%3.02%3.53%4.04%Beats 35%401 / 620
Efficiency Ratio71.42%58.35%68.08%79.37%Beats 42%363 / 620
Asset Quality
Nonperforming Loans / Loans3.44%0.09%0.47%1.27%Beats 5%544 / 573
Net Charge-Offs / Loans0.00%n/a0.01%0.06%Beats 100%162 / 573
Capital
Tier 1 Capital Ratio14.13%11.27%13.87%18.78%Beats 52%297 / 620
Total Risk-Based Capital Ratio15.38%11.69%14.57%19.67%Beats 56%273 / 620
Equity / Assets7.48%9.03%10.60%13.73%Beats 8%571 / 620
Liquidity & Funding
Loans / Deposits76.95%65.08%79.69%92.47%46th pctl317 / 585
Loans / Assets65.61%51.85%67.17%77.86%46th pctl332 / 620
Brokered Deposits / Depositsn/aNot reported for this institution