Winter Park, FL · Cert 57429 · Commerce Natl Bankshares FL
State charter, Fed member · FED · 1 branch
Q2 2026
Market Position · Orlando-Kissimmee-Sanford, FL · 2026 SOD (annual) · 0.2% share · #29 of 49 inst. · $0.2B of $68.8B
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.66% | 0.60% | 0.51% | 0.68% | 0.72% | +6 bps | |
| Return on Equity | 9.64% | 8.53% | 7.24% | 8.98% | 9.53% | -11 bps | |
| Net Interest Margin | 3.29% | 3.22% | 3.21% | 3.16% | 3.24% | -4 bps | |
| Efficiency Ratio | 74.69% | 76.42% | 76.07% | 73.02% | 71.42% | -327 bps | |
| Non-Interest Burden | 2.41% | 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 / Loans | 1.84% | 1.99% | 2.31% | 2.19% | 3.44% | +160 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.43% | 1.46% | 1.65% | 1.58% | 1.60% | +16 bps | |
| Allowance Coverage of NPLs | 0.8x | 0.7x | 0.7x | 0.7x | 0.5x | -0.3x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.26% | 10.41% | 10.48% | 10.17% | 10.46% | +20 bps | |
| Total Risk-Based Capital | 14.19% | 14.54% | 15.01% | 14.83% | 15.38% | +118 bps | |
| Equity / Assets | 7.29% | 7.52% | 7.30% | 7.76% | 7.48% | +19 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 89.17% | 84.59% | 75.70% | 85.40% | 76.95% | -1,222 bps | |
| Liquid Assets / Assets | 4.65% | 9.79% | 16.80% | 9.65% | 18.08% | +1,343 bps | |
| CRE / Total Capital | n/a | 443% | 437% | 411% | n/a | n/a | |