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
Unfavorable gap of $14.3M · efficiency ratio beats 91% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer 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 Margin | 3.48% | 3.03% | 3.45% | 3.83% | Beats 52% | 158 / 328 | |
| Efficiency Ratio | 43.89% | 51.61% | 59.56% | 67.53% | Beats 91% | 29 / 328 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.24% | 0.51% | 1.03% | Beats 100% | 8 / 322 | |
| Net Charge-Offs / Loans | 1.78% | 0.01% | 0.03% | 0.10% | Beats 3% | 314 / 322 | |
| Capital |
| Tier 1 Capital Ratio | 11.89% | 11.75% | 13.15% | 15.47% | Beats 27% | 238 / 328 | |
| Total Risk-Based Capital Ratio | 12.89% | 12.63% | 14.15% | 16.46% | Beats 29% | 233 / 328 | |
| Equity / Assets | 8.00% | 9.15% | 10.33% | 12.01% | Beats 6% | 309 / 328 | |
| Liquidity & Funding |
| Loans / Deposits | 71.55% | 76.63% | 87.92% | 95.36% | 18th pctl | 265 / 323 | |
| Loans / Assets | 65.31% | 65.18% | 74.15% | 79.98% | 26th pctl | 244 / 328 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |