Commencement Bank
Tacoma, WA · Cert 58446 · Peer group: banks under $1B in assets (n=581-629) · 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 142 of 581).
- Widest gap: equity / assets trails 75% of banks under $1B in assets (rank 474 of 629).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
0.95%
Rank 347 of 629
Net Interest Margin
3.83%
Rank 215 of 629
Efficiency Ratio
68.49%
Rank 327 of 629
Equity / Assets
9.08%
Rank 474 of 629
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 | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.95% | 0.60% | 1.01% | 1.45% | Beats 45% | 347 / 629 | | |
| Return on Equity | 10.42% | 5.38% | 9.30% | 13.28% | Beats 56% | 278 / 629 | | |
| Net Interest Margin | 3.83% | 3.03% | 3.54% | 4.05% | Beats 66% | 215 / 629 | | |
| Efficiency Ratio | 68.49% | 58.35% | 67.79% | 79.08% | Beats 48% | 327 / 629 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.09% | 0.09% | 0.46% | 1.20% | Beats 76% | 142 / 581 | | |
| Net Charge-Offs / Loans | 0.02% | n/a | 0.01% | 0.06% | Beats 39% | 354 / 581 | | |
| Capital |
| Tier 1 Capital Ratio | 12.95% | 11.24% | 13.84% | 18.77% | Beats 43% | 359 / 629 | | |
| Total Risk-Based Capital Ratio | 14.15% | 11.58% | 14.43% | 19.66% | Beats 47% | 332 / 629 | | |
| Equity / Assets | 9.08% | 9.09% | 10.65% | 13.80% | Beats 25% | 474 / 629 | | |
| Liquidity & Funding |
| Loans / Deposits | 84.31% | 67.24% | 80.90% | 93.48% | 55th pctl | 267 / 594 | | |
| Loans / Assets | 75.25% | 53.31% | 67.71% | 78.15% | 67th pctl | 208 / 629 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |