PackageTrendsPeer
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Comerica Bank

Dallas, TX · Cert 983

FDIC · 354 branches

Q4 2025

$80.1BAssets
$50.9BLoans
$65.9BDeposits
$7.2BEquity
Loan mix
46%RE $21.6B53%C&I $24.5B1%Consumer $0.5BQ1 2024Q4 2025
Deposit mix
65%Interest-bearing $42.8B35%Noninterest $23.1BQ1 2024Q4 2025

Market Position · Detroit-Warren-Dearborn, MI · 2025 SOD (annual) · 17.4% share · #2 of 39 inst. · $32.8B of $188.7B

29.4% Wayne
7.7% Oakland
1.8% Los Angeles
3.0% Santa Clara

Executive Summary

  • Earnings: ROA of 1.04%, up 11 bps year over year; NIM at 2.90%.
  • Asset quality: problem loans at 0.50% of loans (-19 bps YoY), with net charge-offs at 0.02%.
  • Capital: tier 1 leverage ratio of 10.56%, up 9 bps from a year ago.
  • Funding: loans stand at 77.30% of deposits as of Q4 2025.

Return on Assets (quarter, annualized)

1.04%+11 bps YoY

Net Interest Margin (quarter, annualized)

2.90%+2 bps YoY

Efficiency Ratio (quarter, annualized)

69.15%+81 bps YoY

Tier 1 Leverage Ratio

10.56%+9 bps YoY

NIM

4.80%Q4 ’234.73%Q4 ’244.58%Q4 ’25+7%+1%

Non-interest income vs. expense

3.30%Q4 ’232.92%Q4 ’242.95%Q4 ’25-37%+4%

Discrete quarter, annualized.

MetricQ1 2024Q2 2024Q3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025YoY ΔTrend
Earnings
Return on Assets0.74%1.08%0.97%0.93%0.92%1.06%0.94%1.04%+11 bps
Return on Equity10.98%15.50%12.31%11.31%11.33%12.40%10.80%11.58%+27 bps
Net Interest Margin2.66%2.68%2.67%2.88%2.93%2.95%2.93%2.90%+2 bps
Efficiency Ratio75.06%66.63%68.25%68.34%70.08%65.42%69.57%69.15%+81 bps
Non-Interest Burden1.74%1.34%1.40%1.53%1.67%1.48%1.64%1.59%+6 bps
Growth
Asset Growth (YoY)-12.87%-12.38%-7.06%-7.65%-2.28%-1.97%-2.99%0.91%+856 bps
Loan Growth (YoY)-7.44%-6.99%-5.43%-3.03%-1.71%-1.36%0.66%0.33%+336 bps
Deposit Growth (YoY)-2.15%-5.92%-6.19%-4.59%-3.38%-3.67%-0.68%1.57%+616 bps
Asset Quality
Nonperforming Loans / Loans0.49%0.46%0.53%0.69%0.62%0.59%0.53%0.50%-19 bps
Net Charge-Offs / Loans0.11%0.08%0.09%0.13%0.21%0.22%0.25%0.02%-10 bps
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio9.44%10.18%10.38%10.47%10.65%10.60%10.40%10.56%+9 bps
Total Risk-Based Capital12.90%13.09%13.53%13.45%13.53%13.38%13.20%13.50%+4 bps
Equity / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Deposits78.65%81.86%78.94%78.25%80.00%83.82%80.01%77.30%-96 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a