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Commerceone Bank

Birmingham, AL · Cert 59114 · Commerceone Financial Corp.

State charter, non-member · FDIC · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets (n=322 to 328). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

21

Q2 2024Q2 2026peer median (50)

Asset Quality

52

Q2 2024Q2 2026peer median (50)

Profitability

19

Q2 2024Q2 2026peer median (50)

Liquidity

30

Q2 2024Q2 2026peer median

Efficiency

91

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Commerceone Bank

Birmingham, AL · Cert 59114 · Commerceone Financial Corp.

State charter, non-member · FDIC · 2 branches

Q2 2026

$1.1BAssets
$694.2MLoans
$970.2MDeposits
$85.0MEquity
Loan mix
66%RE $456.7M32%C&I $221.6M2%Consumer $14.0MQ2 2025Q2 2026
Deposit mix
67%Interest-bearing $646.9M33%Noninterest $323.3MQ2 2025Q2 2026

NIM

6.70%Q2 ’246.35%Q2 ’255.47%Q2 ’26+7%-6%

Non-interest income vs. expense

1.42%Q2 ’241.66%Q2 ’251.56%Q2 ’26+18%-6%

Market Position · Birmingham, AL · 2026 SOD (annual) · 1.8% share · #10 of 49 inst. · $1.0B of $53.8B

Executive Summary

  • Earnings: ROA of -0.16%, down 166 bps year over year; NIM at 3.48%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 3.57%.
  • Capital: tier 1 leverage ratio of 9.01%, down 167 bps from a year ago.
  • Funding: loans stand at 71.55% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

-0.16%-166 bps YoY

Net Interest Margin (YTD, annualized)

3.48%-23 bps YoY

Efficiency Ratio (YTD, annualized)

43.89%+12 bps YoY

Tier 1 Leverage Ratio

9.01%-167 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.50%1.56%1.58%-2.14%-0.16%-166 bps
Return on Equity15.07%15.70%15.81%-22.12%-1.78%-1,686 bps
Net Interest Margin3.71%3.75%3.71%3.69%3.48%-23 bps
Efficiency Ratio43.77%42.42%42.52%45.91%43.89%+12 bps
Non-Interest Burden1.58%1.49%1.49%1.64%1.48%-10 bps
Growth
Asset Growth (YoY)14.88%23.23%8.15%14.36%39.37%+2,448 bps
Loan Growth (YoY)17.10%20.17%16.59%10.28%5.86%-1,124 bps
Deposit Growth (YoY)19.20%22.56%2.69%14.39%44.31%+2,511 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.03%-0.03%-0.02%7.14%3.57%+359 bps
Allowance / Loans1.20%1.20%1.20%1.00%1.00%-20 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio10.68%11.10%10.92%9.70%9.01%-167 bps
Total Risk-Based Capital13.29%13.00%12.89%12.32%12.89%-41 bps
Equity / Assets10.39%9.96%10.30%9.12%8.00%-239 bps
Liquidity & Funding
Loans / Deposits97.54%93.15%98.86%86.26%71.55%-2,599 bps
Liquid Assets / Assets7.17%10.71%7.93%15.42%28.91%+2,173 bps
CRE / Total Capitaln/a370%354%376%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Commerceone Bank

Birmingham, AL · Cert 59114 · Peer group: banks $1B-$10B in assets (n=322-328) · Commerceone Financial Corp.

State charter, non-member · FDIC · 2 branches

Q2 2026

$1.1BAssets
$694.2MLoans
$970.2MDeposits
$85.0MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks $1B-$10B in assets (rank 8 of 322).
  • Widest gap: return on equity trails 98% of banks $1B-$10B in assets (rank 323 of 328).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

-0.14%

Rank 323 of 328

Net Interest Margin

3.48%

Rank 158 of 328

Efficiency Ratio

43.89%

Rank 29 of 328

Equity / Assets

8.00%

Rank 309 of 328

Non-interest income vs. expense

$0.8M$15.1MINCOMEEXPENSE
Unfavorable gap of $14.3M · efficiency ratio beats 91% of banks $1B-$10B in assets
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets-0.14%0.91%1.22%1.52%Beats 2%323 / 328
Return on Equity-1.77%8.43%11.45%14.43%Beats 2%323 / 328
Net Interest Margin3.48%3.03%3.45%3.83%Beats 52%158 / 328
Efficiency Ratio43.89%51.61%59.56%67.53%Beats 91%29 / 328
Asset Quality
Nonperforming Loans / Loans0.00%0.24%0.51%1.03%Beats 100%8 / 322
Net Charge-Offs / Loans1.78%0.01%0.03%0.10%Beats 3%314 / 322
Capital
Tier 1 Capital Ratio11.89%11.75%13.15%15.47%Beats 27%238 / 328
Total Risk-Based Capital Ratio12.89%12.63%14.15%16.46%Beats 29%233 / 328
Equity / Assets8.00%9.15%10.33%12.01%Beats 6%309 / 328
Liquidity & Funding
Loans / Deposits71.55%76.63%87.92%95.36%18th pctl265 / 323
Loans / Assets65.31%65.18%74.15%79.98%26th pctl244 / 328
Brokered Deposits / Depositsn/aNot reported for this institution