Commerce Bank & Trust: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Commerce Bank & Trust of Winter Park, FL 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 | 1.02% | 1.25% | -0.23% | 33rd below |
| ROAE | 12.93% | 12.22% | +0.71% | 53rd above |
| Net Interest Margin | 3.50% | 3.95% | -0.45% | 26th below |
| Efficiency Ratio | 68.91% | 63.71% | +5.20% | 30th below |
| PPNR / Avg Assets | 1.04% | — | — | 22nd bottom |
| Yield on Earning Assets | 5.23% | 5.67% | -0.44% | 32nd below |
| Cost of Funds Ahead of the peer average, behind the median peer. | 1.82% | 1.87% | -0.05% | 48th below |
| Net Interest Spread | 2.84% | — | — | 26th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 3.44% | 0.88% | +2.56% | 5th bottom |
| NPA / Total Assets | 2.26% | — | — | 6th bottom |
| NCO / Avg Loans | 0.00% | 0.15% | -0.15% | 62nd above |
| ACL / Total Loans | 1.60% | — | — | 83rd top |
| ACL / NPLs (Coverage) | 46.39% | — | — | 9th bottom |
| Texas Ratio | 26.47% | 5.96% | +20.51% | 3rd bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 14.12% | 17.18% | -3.06% | 40th below |
| Tier 1 Ratio | 14.12% | 17.21% | -3.09% | 40th below |
| Total Capital Ratio | 15.38% | — | — | 41st below |
| Leverage Ratio | 10.46% | 11.75% | -1.29% | 40th below |
| Equity / Assets | 7.48% | 10.98% | -3.50% | 9th bottom |
| TCE / Tangible Assets | 7.48% | — | — | 10th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 76.95% | 80.44% | -3.49% | 58th above |
| Core Deposit Ratio | 77.57% | 86.95% | -9.38% | 12th bottom |
| Wholesale Funding Ratio | 5.93% | — | — | 32nd below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 17.31% | — | — | 93rd top |
| Loan Growth (Y/Y) | 1.97% | — | — | 31st below |
| Deposit Growth (Y/Y) | 18.16% | — | — | 93rd top |
See Commerce Bank & Trust's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Commerce Bank & Trust, 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 & Trust 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 & Trust peer analysis.