Commencement Bank
Tacoma, WA · Cert 58446 · Peer group: banks under $1B in assets (n=570-617) · Commencement Bcorp Inc.
State charter, Fed member · FED · 6 branches
Q2 2026
$739.6MAssets
$556.6MLoans
$660.2MDeposits
$67.1MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 76% of banks under $1B in assets (rank 139 of 570).
- Widest gap: equity / assets trails 74% of banks under $1B in assets (rank 458 of 617).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
0.95%
Rank 337 of 617
Net Interest Margin
3.83%
Rank 211 of 617
Efficiency Ratio
68.49%
Rank 319 of 617
Equity / Assets
9.08%
Rank 458 of 617
Non-interest income vs. expense
Unfavorable gap of $18.6M · efficiency ratio beats 48% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.95% | 0.60% | 1.01% | 1.45% | Beats 45% | 337 / 617 | |
| Return on Equity | 10.42% | 5.30% | 9.43% | 13.30% | Beats 56% | 273 / 617 | |
| Net Interest Margin | 3.83% | 3.04% | 3.54% | 4.05% | Beats 66% | 211 / 617 | |
| Efficiency Ratio | 68.49% | 58.03% | 67.76% | 79.08% | Beats 48% | 319 / 617 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.09% | 0.09% | 0.47% | 1.27% | Beats 76% | 139 / 570 | |
| Net Charge-Offs / Loans | 0.02% | n/a | 0.01% | 0.06% | Beats 38% | 357 / 570 | |
| Capital |
| Tier 1 Capital Ratio | 12.95% | 11.18% | 13.83% | 18.55% | Beats 43% | 353 / 617 | |
| Total Risk-Based Capital Ratio | 14.15% | 11.56% | 14.39% | 19.39% | Beats 48% | 321 / 617 | |
| Equity / Assets | 9.08% | 9.03% | 10.55% | 13.63% | Beats 26% | 458 / 617 | |
| Liquidity & Funding |
| Loans / Deposits | 84.31% | 64.77% | 79.70% | 93.06% | 57th pctl | 253 / 582 | |
| Loans / Assets | 75.25% | 51.70% | 67.18% | 77.51% | 68th pctl | 196 / 617 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |