Commerce Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in Commercial real estate (nonfarm nonresidential): 8.12 percentage points higher than in Q1 2026, at 34.93%. On loan-to-deposit ratio, Commerce Bank is 24th from the bottom among 346 Texas banks, 29.36% (Q2 2026). Commerce Bank's loan-to-deposit ratio of 29.36% is well below the 80.55% median for banks in the $100M-1B asset tier, a gap of 51.19 points (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $195.1M |
| Net loans and leases | $192.1M |
| Loans held for sale | $0 |
| Loans to total assets | 25.59% |
| Loan-to-deposit ratio | 29.36% |
| Net loans to equity capital | 2.43% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 34.93% |
| Multifamily (5+ residential) | 0.08% |
| Commercial and industrial | 17.76% |
| Consumer | 5.80% |
| Credit cards | 0.00% |
| Farm | 0.11% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 49.91% |
| Construction concentration (Tier 1 capital + allowance) | 38.05% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 7.12% |
| Interest income on loans | $3.1M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $171.0M | $563.4M | 24.60% | 18.17% | 4.31% |
| Q4 2023 | $172.2M | $566.5M | 23.48% | 17.57% | 4.48% |
| Q1 2024 | $164.4M | $599.9M | 24.35% | 16.62% | 4.75% |
| Q2 2024 | $162.1M | $619.2M | 24.02% | 16.16% | 5.31% |
| Q3 2024 | $155.9M | $631.4M | 23.69% | 17.42% | 5.92% |
| Q4 2024 | $153.4M | $661.1M | 21.68% | 18.22% | 6.33% |
| Q1 2025 | $156.8M | $662.1M | 18.55% | 24.21% | 7.65% |
| Q2 2025 | $158.3M | $664.9M | 17.78% | 22.89% | 7.20% |
| Q3 2025 | $158.5M | $661.0M | 19.69% | 23.32% | 6.80% |
| Q4 2025 | $159.0M | $657.9M | 19.07% | 23.11% | 6.64% |
| Q1 2026 | $174.3M | $657.3M | 26.82% | 19.86% | 6.20% |
| Q2 2026 | $195.1M | $664.5M | 34.93% | 17.76% | 5.80% |
Commerce Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Commerce Bank, freeSource: Call Report Schedule RC-C, 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 23772) · FFIEC NIC profile (RSSD 625159)