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 Laredo, TX 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 | 1.83% | 1.25% | +0.58% | 79th top |
| ROAE | 18.07% | 12.22% | +5.85% | 80th top |
| Net Interest Margin | 2.92% | 3.95% | -1.03% | 8th bottom |
| Efficiency Ratio | 33.88% | 63.71% | -29.83% | 98th top |
| PPNR / Avg Assets | 2.41% | — | — | 87th top |
| Yield on Earning Assets | 4.49% | 5.67% | -1.18% | 8th bottom |
| Cost of Funds | 1.40% | 1.87% | -0.47% | 75th top |
| Net Interest Spread | 2.13% | — | — | 5th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.03% | 0.88% | -0.85% | 83rd top |
| NPA / Total Assets | 0.01% | — | — | 86th top |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.03% | 0.15% | -0.12% | 29th below |
| ACL / Total Loans | 1.54% | — | — | 81st top |
| ACL / NPLs (Coverage) | 5351.79% | — | — | — |
| Texas Ratio | 0.07% | 5.96% | -5.89% | 86th top |
| Provision / NCO | 1064.29% | — | — | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 29.75% | 17.18% | +12.57% | 92nd top |
| Tier 1 Ratio | 29.75% | 17.21% | +12.54% | 92nd top |
| Total Capital Ratio | 30.73% | — | — | 92nd top |
| Leverage Ratio | 12.28% | 11.75% | +0.53% | 67th above |
| Equity / Assets | 10.35% | 10.98% | -0.63% | 49th below |
| TCE / Tangible Assets | 9.51% | — | — | 39th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 29.36% | 80.44% | -51.08% | 98th top |
| Core Deposit Ratio | 74.87% | 86.95% | -12.08% | 9th bottom |
| Wholesale Funding Ratio | 2.01% | — | — | 67th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -0.07% | — | — | 18th bottom |
| Loan Growth (Y/Y) | 23.22% | — | — | 95th top |
| Deposit Growth (Y/Y) | -0.06% | — | — | 22nd 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.