Commerce Bank Texas: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Commerce Bank Texas of Stockdale, TX against its peer group of 536 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 | -0.19% | 3.33% | -3.52% | 12th bottom |
| ROAE | -1.40% | 8.30% | -9.70% | 12th bottom |
| Net Interest Margin | 2.88% | 3.93% | -1.05% | 12th bottom |
| Efficiency Ratio | 108.44% | 84.43% | +24.01% | 11th bottom |
| PPNR / Avg Assets | -0.26% | 1.56% | -1.82% | 9th bottom |
| Yield on Earning Assets | 4.20% | 5.24% | -1.04% | 16th bottom |
| Cost of Funds | 1.48% | 1.67% | -0.19% | 54th above |
| Net Interest Spread | 2.14% | 3.30% | -1.16% | 11th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 2.64% | 1.42% | +1.22% | 12th bottom |
| NPA / Total Assets | 2.07% | 0.71% | +1.36% | 8th bottom |
| NCO / Avg Loans | 0.00% | 0.15% | -0.15% | 53rd above |
| ACL / Total Loans | 0.83% | 1.53% | -0.70% | 16th bottom |
| ACL / NPLs (Coverage) | 31.37% | 723.31% | -691.94% | 8th bottom |
| Texas Ratio | 21.27% | 8.54% | +12.73% | 7th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 12.68% | 22.10% | -9.42% | 46th below |
| Equity / Assets Behind the peer average, ahead of the median peer. | 13.64% | 20.74% | -7.10% | 58th above |
| TCE / Tangible Assets | 9.81% | 20.49% | -10.68% | 26th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 45.90% | 74.31% | -28.41% | 75th top |
| Core Deposit Ratio | 81.94% | 88.32% | -6.38% | 16th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -3.92% | 3.83% | -7.75% | 16th bottom |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.82% | 6.85% | -1.03% | 63rd above |
| Deposit Growth (Y/Y) | -4.51% | 2.99% | -7.50% | 16th bottom |
See Commerce Bank Texas's peers by name
The 536 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Commerce Bank Texas, 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 Texas profile, how to read a UBPR, or how this data updates.