Commerce Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Commerce Bank of Geneva, MN 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 | 1.28% | 1.25% | +0.03% | 50th above |
| ROAE | 9.96% | 12.22% | -2.26% | 35th below |
| Net Interest Margin | 2.89% | 3.95% | -1.06% | 7th bottom |
| Efficiency Ratio | 51.22% | 63.71% | -12.49% | 78th top |
| PPNR / Avg Assets | 1.42% | — | — | 39th below |
| Yield on Earning Assets | 5.40% | 5.67% | -0.27% | 40th below |
| Cost of Funds | 2.93% | 1.87% | +1.06% | 6th bottom |
| Net Interest Spread | 2.25% | — | — | 7th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.60% | 0.88% | -0.28% | 41st below |
| NPA / Total Assets | 0.51% | — | — | 38th below |
| NCO / Avg Loans | -0.01% | 0.15% | -0.16% | 84th top |
| ACL / Total Loans | 1.78% | — | — | 90th top |
| ACL / NPLs (Coverage) | 295.31% | — | — | 58th above |
| Texas Ratio Ahead of the peer average, behind the median peer. | 3.49% | 5.96% | -2.47% | 44th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 17.11% | 17.18% | -0.07% | 64th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 17.11% | 17.21% | -0.10% | 64th above |
| Total Capital Ratio | 18.37% | — | — | 65th above |
| Leverage Ratio | 13.87% | 11.75% | +2.12% | 81st top |
| Equity / Assets | 13.24% | 10.98% | +2.26% | 80th top |
| TCE / Tangible Assets | 13.19% | — | — | 81st top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 119.42% | 80.44% | +38.98% | 2nd bottom |
| Core Deposit Ratio | 61.19% | 86.95% | -25.76% | 2nd bottom |
| Wholesale Funding Ratio | 14.83% | — | — | 5th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -10.58% | — | — | 1st bottom |
| Loan Growth (Y/Y) | -8.97% | — | — | 3rd bottom |
| Deposit Growth (Y/Y) | -13.10% | — | — | 1st bottom |
See Commerce Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Commerce 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 Commerce 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 Commerce Bank peer analysis.