Commerceone Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Commerceone Bank of Birmingham, AL against its peer group of 941 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 | 1.60% | 1.34% | +0.26% | 71st above |
| ROAE | 18.70% | 12.40% | +6.30% | 85th top |
| Net Interest Margin Behind the peer average, ahead of the median peer. | 3.73% | 3.83% | -0.10% | 52nd above |
| Efficiency Ratio | 42.03% | 57.84% | -15.81% | 90th top |
| PPNR / Avg Assets | 2.18% | — | — | 76th top |
| Yield on Earning Assets | 5.82% | 5.71% | +0.11% | 67th above |
| Cost of Funds | 2.23% | 2.02% | +0.21% | 35th below |
| Net Interest Spread | 2.77% | — | — | 31st below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 1.00% | -1.00% | 99th top |
| NPA / Total Assets | 0.00% | — | — | 98th top |
| NCO / Avg Loans | 0.01% | 0.43% | -0.42% | 65th above |
| ACL / Total Loans | 1.00% | — | — | 30th below |
| Texas Ratio | 0.00% | 5.47% | -5.47% | 98th top |
| Provision / NCO | 86.86% | — | — | 27th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 11.89% | 14.99% | -3.10% | 22nd bottom |
| Tier 1 Ratio | 11.89% | 15.02% | -3.13% | 21st bottom |
| Total Capital Ratio | 12.89% | — | — | 20th bottom |
| Leverage Ratio | 9.01% | 11.11% | -2.10% | 12th bottom |
| Equity / Assets | 8.00% | 11.02% | -3.02% | 7th bottom |
| TCE / Tangible Assets | 8.00% | — | — | 12th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 71.55% | 86.99% | -15.44% | 84th top |
| Core Deposit Ratio | 99.80% | 85.57% | +14.23% | 98th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 39.37% | — | — | 96th top |
| Loan Growth (Y/Y) | 5.86% | — | — | 50th above |
| Deposit Growth (Y/Y) | 44.31% | — | — | 97th top |
See Commerceone Bank's peers by name
The 941 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Commerceone 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 Commerceone 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 Commerceone Bank peer analysis.