Birmingham, AL · Cert 59114 · Commerceone Financial Corp.
State charter, non-member · FDIC · 2 branches
Q2 2026
Market Position · Birmingham, AL · 2026 SOD (annual) · 1.8% share · #10 of 49 inst. · $1.0B of $53.8B
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 | 1.47% | 1.46% | 1.50% | 1.50% | 1.56% | 1.58% | -2.14% | -0.16% | -166 bps | |
| Return on Equity | 14.03% | 14.23% | 15.45% | 15.07% | 15.70% | 15.81% | -22.12% | -1.78% | -1,686 bps | |
| Net Interest Margin | 3.30% | 3.23% | 3.54% | 3.71% | 3.75% | 3.71% | 3.69% | 3.48% | -23 bps | |
| Efficiency Ratio | 39.45% | 40.42% | 42.57% | 43.77% | 42.42% | 42.52% | 45.91% | 43.89% | +12 bps | |
| Non-Interest Burden | 1.25% | 1.26% | 1.46% | 1.58% | 1.49% | 1.49% | 1.64% | 1.48% | -10 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.44% | 23.40% | 26.09% | 14.88% | 23.23% | 8.15% | 14.36% | 39.37% | +2,448 bps | |
| Loan Growth (YoY) | 11.06% | 18.95% | 23.29% | 17.10% | 20.17% | 16.59% | 10.28% | 5.86% | -1,124 bps | |
| Deposit Growth (YoY) | 14.28% | 24.54% | 27.59% | 19.20% | 22.56% | 2.69% | 14.39% | 44.31% | +2,511 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.08% | 0.05% | -0.05% | -0.03% | -0.03% | -0.02% | 7.14% | 3.57% | +359 bps | |
| Allowance / Loans | 1.20% | 1.20% | 1.20% | 1.20% | 1.20% | 1.20% | 1.00% | 1.00% | -20 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.84% | 10.58% | 10.21% | 10.68% | 11.10% | 10.92% | 9.70% | 9.01% | -167 bps | |
| Total Risk-Based Capital | 13.35% | 13.21% | 13.42% | 13.29% | 13.00% | 12.89% | 12.32% | 12.89% | -41 bps | |
| Equity / Assets | 10.57% | 9.52% | 9.87% | 10.39% | 9.96% | 10.30% | 9.12% | 8.00% | -239 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 95.01% | 87.07% | 89.47% | 97.54% | 93.15% | 98.86% | 86.26% | 71.55% | -2,599 bps | |
| Liquid Assets / Assets | 6.55% | 14.37% | 12.44% | 7.17% | 10.71% | 7.93% | 15.42% | 28.91% | +2,173 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 370% | 354% | 376% | n/a | n/a | |