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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.63% | 0.52% | 0.65% | 0.66% | 0.49% | 0.27% | 0.68% | 0.77% | +11 bps | |
| Return on Equity | 10.24% | 8.15% | 9.92% | 9.23% | 6.55% | 3.67% | 8.98% | 10.15% | +92 bps | |
| Net Interest Margin | 2.89% | 3.03% | 3.20% | 3.35% | 3.10% | 3.20% | 3.16% | 3.31% | -4 bps | |
| Efficiency Ratio | 74.55% | 79.57% | 74.45% | 74.93% | 80.00% | 75.00% | 73.02% | 69.89% | -504 bps | |
| Non-Interest Burden | 2.08% | 2.37% | 2.33% | 2.47% | 2.43% | 2.35% | 2.27% | 2.27% | -20 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.12% | 2.85% | -4.21% | -2.54% | 2.08% | 9.88% | 5.32% | 17.31% | +1,985 bps | |
| Loan Growth (YoY) | 13.66% | 7.69% | 0.07% | 2.54% | -1.11% | 0.02% | 3.47% | 1.97% | -57 bps | |
| Deposit Growth (YoY) | 3.55% | 2.68% | -4.47% | -8.03% | -4.36% | 6.15% | 0.87% | 18.16% | +2,619 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 1.84% | 1.99% | 2.31% | 2.19% | 3.44% | +160 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.00% | 0.00% | 0.00% | 0.01% | 0.04% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.40% | 1.45% | 1.42% | 1.43% | 1.46% | 1.65% | 1.58% | 1.60% | +16 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | 0.8x | 0.7x | 0.7x | 0.7x | 0.5x | -0.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.09% | 9.15% | 9.98% | 10.26% | 10.41% | 10.48% | 10.17% | 10.46% | +20 bps | |
| Total Risk-Based Capital | 13.01% | 13.48% | 14.01% | 14.19% | 14.54% | 15.01% | 14.83% | 15.38% | +118 bps | |
| Equity / Assets | 6.54% | 6.12% | 7.06% | 7.29% | 7.52% | 7.30% | 7.76% | 7.48% | +19 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 81.81% | 80.33% | 83.25% | 89.17% | 84.59% | 75.70% | 85.40% | 76.95% | -1,222 bps | |
| Liquid Assets / Assets | 6.74% | 7.73% | 6.11% | 4.65% | 9.79% | 16.80% | 9.65% | 18.08% | +1,343 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 443% | 437% | 411% | n/a | n/a | |