Commerce Bank Texas: 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 Loan-to-deposit ratio: 2.63 percentage points higher than in Q1 2026, at 45.90%. Commerce Bank Texas has the 12th lowest return on assets of the 345 banks headquartered in Texas, at -0.19% as of Q2 2026. Commerce Bank Texas's return on assets of -0.19% is well below the 0.98% median for banks in the < $100M asset tier, a gap of 1.17 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 12.68% |
| Equity capital to assets | 13.64% |
| Tangible equity to tangible assets | 9.81% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 2.64% |
| Non-performing assets ratio | 2.07% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 21.27% |
| Allowance for credit losses to loans | 0.83% |
| Reserve coverage of non-performing loans | 31.37% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | -0.19% |
| Return on equity | -1.40% |
| Net interest margin | 2.88% |
| Efficiency ratio | 108.44% |
| Yield on earning assets | 4.20% |
| Cost of funds | 1.48% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 45.90% |
| Core deposits to total deposits | 81.94% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 85.59% |
| Securities to assets | 43.41% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 11.46% | 0.56% | 3.23% | 0.00% | 0.00% |
| Q4 2023 | 11.57% | 0.33% | 3.20% | 0.00% | 0.00% |
| Q1 2024 | 11.18% | 0.27% | 2.79% | 0.00% | 0.00% |
| Q2 2024 | 11.47% | 0.34% | 2.87% | 0.00% | 0.00% |
| Q3 2024 | 11.40% | 0.11% | 2.75% | 0.00% | 0.00% |
| Q4 2024 | 11.64% | 0.12% | 2.89% | 0.00% | 0.00% |
| Q1 2025 | 12.91% | 0.28% | 2.81% | 0.00% | 0.00% |
| Q2 2025 | 13.00% | 1.09% | 2.95% | 0.00% | 0.00% |
| Q3 2025 | 12.58% | -0.08% | 2.75% | 1.38% | 0.00% |
| Q4 2025 | 12.68% | 0.13% | 2.88% | 2.51% | 0.00% |
| Q1 2026 | 12.82% | -0.17% | 2.74% | 2.80% | 0.00% |
| Q2 2026 | 12.68% | -0.19% | 2.88% | 2.64% | 0.00% |
Commerce Bank Texas vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Commerce Bank Texas, 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 Texas profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15346) · FFIEC NIC profile (RSSD 174367)