Commencement Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Commencement Bank of Tacoma, WA against its peer group of 2757 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 | 1.01% | 1.25% | -0.24% | 33rd below |
| ROAE | 11.45% | 12.22% | -0.77% | 44th below |
| Net Interest Margin | 4.21% | 3.95% | +0.26% | 65th above |
| Efficiency Ratio | 66.61% | 63.71% | +2.90% | 35th below |
| PPNR / Avg Assets | 1.36% | — | — | 36th below |
| Yield on Earning Assets | 5.49% | 5.67% | -0.18% | 45th below |
| Cost of Funds | 1.35% | 1.87% | -0.52% | 78th top |
| Net Interest Spread | 3.53% | — | — | 60th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.09% | 0.88% | -0.79% | 75th top |
| NPA / Total Assets | 0.07% | — | — | 76th top |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.00% | 0.15% | -0.15% | 46th below |
| ACL / Total Loans | 1.18% | — | — | 48th below |
| ACL / NPLs (Coverage) | 1341.60% | — | — | — |
| Texas Ratio | 0.67% | 5.96% | -5.29% | 74th above |
| Provision / NCO | 4350.00% | — | — | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 12.95% | 17.18% | -4.23% | 27th below |
| Tier 1 Ratio | 12.95% | 17.21% | -4.26% | 27th below |
| Total Capital Ratio | 14.15% | — | — | 28th below |
| Leverage Ratio | 10.30% | 11.75% | -1.45% | 37th below |
| Equity / Assets | 9.08% | 10.98% | -1.90% | 28th below |
| TCE / Tangible Assets | 8.93% | — | — | 29th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 84.31% | 80.44% | +3.87% | 42nd below |
| Core Deposit Ratio | 94.75% | 86.95% | +7.80% | 83rd top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 8.53% | — | — | 77th top |
| Loan Growth (Y/Y) | 8.72% | — | — | 68th above |
| Deposit Growth (Y/Y) | 10.04% | — | — | 83rd top |
See Commencement Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Commencement Bank, 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 Commencement Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Commencement Bank peer analysis.