The Bank of Commerce: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The Bank of Commerce of Idaho Falls, ID against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 2.03% | 1.46% | +0.57% | 88th top |
| ROAE | 13.86% | 12.71% | +1.15% | 61st above |
| Net Interest Margin | 4.57% | 3.85% | +0.72% | 90th top |
| Efficiency Ratio | 33.69% | 57.43% | -23.74% | 96th top |
| PPNR / Avg Assets | 3.08% | 1.88% | +1.20% | 96th top |
| Yield on Earning Assets | 6.04% | 5.72% | +0.32% | 77th top |
| Cost of Funds | 1.60% | 2.02% | -0.42% | 75th top |
| Net Interest Spread | 3.32% | 3.18% | +0.14% | 66th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.35% | 1.00% | +0.35% | 22nd bottom |
| NPA / Total Assets | 1.02% | 0.76% | +0.26% | 24th bottom |
| NCO / Avg Loans | 0.96% | 0.43% | +0.53% | 4th bottom |
| ACL / Total Loans | 1.59% | 1.31% | +0.28% | 89th top |
| ACL / NPLs (Coverage) | 118.23% | 543.75% | -425.52% | 36th below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 6.36% | 7.39% | -1.03% | 39th below |
| Provision / NCO | 83.98% | 619.18% | -535.20% | 27th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 19.09% | 17.33% | +1.76% | 90th top |
| Tier 1 Ratio | 19.09% | 17.37% | +1.72% | 89th top |
| Total Capital Ratio | 20.35% | 18.42% | +1.93% | 90th top |
| Leverage Ratio | 15.69% | 11.43% | +4.26% | 94th top |
| Equity / Assets | 14.77% | 11.33% | +3.44% | 93rd top |
| TCE / Tangible Assets | 14.77% | 10.50% | +4.27% | 94th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 91.42% | 86.95% | +4.47% | 40th below |
| Core Deposit Ratio | 85.38% | 85.55% | -0.17% | 36th below |
| Uninsured Deposit Ratio | 43.42% | 33.11% | +10.31% | 19th bottom |
| Wholesale Funding Ratio | 2.13% | 5.71% | -3.58% | 67th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 7.32% | 9.68% | -2.36% | 65th above |
| Loan Growth (Y/Y) | 15.27% | 8.05% | +7.22% | 86th top |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.91% | 7.87% | -0.96% | 62nd above |
See The Bank of Commerce's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The Bank of Commerce, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full The Bank of Commerce profile, how to read a UBPR, or how this data updates.