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.
Loan-to-deposit ratio climbed 2.84 percentage points in Q2 2026, from 26.52% to 29.36%. It was the largest change from Q1 2026 among the key lines here. Within Texas, Commerce Bank is 87th of 345 on return on assets, 1.83% as of Q2 2026. Commerce Bank reported 1.83% on return on assets for Q2 2026, 0.58 points above the 1.26% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 29.75% |
| Tier 1 risk-based capital ratio | 29.75% |
| Total risk-based capital ratio | 30.73% |
| Tier 1 leverage ratio | 12.28% |
| Equity capital to assets | 10.35% |
| Tangible equity to tangible assets | 9.51% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.03% |
| Non-performing assets ratio | 0.01% |
| Net charge-off ratio | 0.03% |
| Texas ratio | 0.07% |
| Allowance for credit losses to loans | 1.54% |
| Reserve coverage of non-performing loans | 5351.79% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.83% |
| Return on equity | 18.07% |
| Net interest margin | 2.92% |
| Efficiency ratio | 33.88% |
| Yield on earning assets | 4.49% |
| Cost of funds | 1.40% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 29.36% |
| Core deposits to total deposits | 74.87% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 87.15% |
| Securities to assets | 69.44% |
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 | 41.25% | 41.25% | 42.46% | 15.98% | 2.09% |
| Q4 2023 | 36.57% | 36.57% | 37.82% | 14.50% | 2.10% |
| Q1 2024 | 37.69% | 37.69% | 38.83% | 14.76% | 2.22% |
| Q2 2024 | 38.65% | 38.65% | 39.87% | 14.57% | 1.92% |
| Q3 2024 | 37.04% | 37.04% | 38.23% | 13.32% | 1.99% |
| Q4 2024 | 37.50% | 37.50% | 38.56% | 13.53% | 2.01% |
| Q1 2025 | 38.56% | 38.56% | 39.67% | 13.87% | 1.86% |
| Q2 2025 | 38.71% | 38.71% | 39.81% | 14.10% | 1.76% |
| Q3 2025 | 29.94% | 29.94% | 30.99% | 10.72% | 2.04% |
| Q4 2025 | 31.63% | 31.63% | 32.67% | 11.54% | 1.82% |
| Q1 2026 | 30.93% | 30.93% | 31.95% | 12.04% | 1.71% |
| Q2 2026 | 29.75% | 29.75% | 30.73% | 12.28% | 1.83% |
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 23772) · FFIEC NIC profile (RSSD 625159)