Duncan, OK · Cert 57491 · Commerce Financial Co.
State charter, non-member · FDIC · 6 branches
Q2 2026
Market Position · Oklahoma City, OK · 2026 SOD (annual) · 0.0% share · #66 of 71 inst. · $0.0B of $60.8B
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.13% | 0.89% | 0.13% | 0.54% | 0.74% | 0.53% | 0.10% | 0.22% | -32 bps | |
| Return on Equity | 12.61% | 9.94% | 1.40% | 5.89% | 7.89% | 5.65% | 1.00% | 2.19% | -370 bps | |
| Net Interest Margin | 2.94% | 2.99% | 3.15% | 3.16% | 3.25% | 3.56% | 3.25% | 3.41% | +25 bps | |
| Efficiency Ratio | 80.03% | 83.93% | 94.33% | 88.25% | 85.87% | 83.19% | 94.98% | 90.58% | +233 bps | |
| Non-Interest Burden | 1.86% | 2.06% | 2.73% | 2.18% | 2.05% | 2.14% | 2.97% | 2.91% | +73 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 14.48% | 11.14% | 3.81% | -0.34% | -6.46% | -4.85% | -5.72% | -6.30% | -596 bps | |
| Loan Growth (YoY) | 12.63% | 6.74% | 1.27% | -3.26% | -8.58% | -12.22% | -14.20% | -14.94% | -1,169 bps | |
| Deposit Growth (YoY) | 11.78% | 13.37% | -0.80% | -1.07% | -5.51% | -3.94% | -2.69% | -3.82% | -275 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.16% | 2.50% | 2.94% | 2.56% | 2.76% | 1.72% | 1.71% | 2.27% | -28 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.02% | -0.06% | 0.06% | 0.13% | 1.08% | 0.01% | 0.21% | +15 bps | |
| Allowance / Loans | 1.03% | 1.02% | 1.14% | 1.16% | 1.20% | 1.04% | 1.22% | 1.20% | +3 bps | |
| Allowance Coverage of NPLs | 0.9x | 0.4x | 0.4x | 0.5x | 0.4x | 0.6x | 0.7x | 0.5x | +0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.75% | 9.16% | 9.71% | 10.05% | 10.25% | 10.05% | 10.22% | 10.54% | +49 bps | |
| Total Risk-Based Capital | 9.75% | 9.16% | 9.71% | 10.05% | 10.25% | 10.05% | 10.22% | 10.54% | +49 bps | |
| Equity / Assets | 8.98% | 8.92% | 9.16% | 9.51% | 9.75% | 9.86% | 10.18% | 10.27% | +76 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 86.28% | 87.40% | 86.47% | 86.66% | 83.47% | 79.86% | 76.24% | 76.64% | -1,002 bps | |
| Liquid Assets / Assets | 13.16% | 10.36% | 11.72% | 10.96% | 13.66% | 13.13% | 15.46% | 15.05% | +409 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 330% | 312% | 302% | n/a | n/a | |