Commerce Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 238.85 percentage points higher than in Q1 2026, at 295.31%. Within Minnesota, Commerce Bank is 122nd of 221 on return on assets, 1.28% as of Q2 2026. The median for banks in the $100M-1B asset tier is 1.26% on return on assets; Commerce Bank reported 1.28% for Q2 2026, nearly level with it.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 17.11% |
| Tier 1 risk-based capital ratio | 17.11% |
| Total risk-based capital ratio | 18.37% |
| Tier 1 leverage ratio | 13.87% |
| Equity capital to assets | 13.24% |
| Tangible equity to tangible assets | 13.19% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.60% |
| Non-performing assets ratio | 0.51% |
| Net charge-off ratio | -0.01% |
| Texas ratio | 3.49% |
| Allowance for credit losses to loans | 1.78% |
| Reserve coverage of non-performing loans | 295.31% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.28% |
| Return on equity | 9.96% |
| Net interest margin | 2.89% |
| Efficiency ratio | 51.22% |
| Yield on earning assets | 5.40% |
| Cost of funds | 2.93% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 119.42% |
| Core deposits to total deposits | 61.19% |
| Brokered deposits to total deposits | 37.01% |
| Deposits to assets | 71.29% |
| Securities to assets | 11.15% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 13.99% | 13.99% | 15.24% | 12.08% | 0.82% |
| Q4 2023 | 13.49% | 13.49% | 14.74% | 11.65% | 0.88% |
| Q1 2024 | 14.00% | 14.00% | 15.26% | 11.58% | 0.73% |
| Q2 2024 | 13.96% | 13.96% | 15.21% | 11.66% | 0.80% |
| Q3 2024 | 13.76% | 13.76% | 15.02% | 11.55% | 0.85% |
| Q4 2024 | 14.62% | 14.62% | 15.87% | 11.88% | 0.98% |
| Q1 2025 | 14.95% | 14.95% | 16.21% | 12.21% | 0.86% |
| Q2 2025 | 14.88% | 14.88% | 16.14% | 12.32% | 0.91% |
| Q3 2025 | 15.37% | 15.37% | 16.62% | 12.40% | 0.99% |
| Q4 2025 | 15.96% | 15.96% | 17.22% | 12.89% | 1.30% |
| Q1 2026 | 16.46% | 16.46% | 17.71% | 13.35% | 1.29% |
| Q2 2026 | 17.11% | 17.11% | 18.37% | 13.87% | 1.28% |
Commerce Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Commerce Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Commerce Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10212) · FFIEC NIC profile (RSSD 49054)