Commerceone 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.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 14.71 percentage points lower than in Q1 2026, at 71.55%. Within Alabama, Commerceone Bank is 20th of 93 on return on assets, 1.60% as of Q2 2026. Commerceone Bank reported 1.60% on return on assets for Q2 2026, 0.33 points above the 1.27% median for banks in the $1B-10B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 11.89% |
| Tier 1 risk-based capital ratio | 11.89% |
| Total risk-based capital ratio | 12.89% |
| Tier 1 leverage ratio | 9.01% |
| Equity capital to assets | 8.00% |
| Tangible equity to tangible assets | 8.00% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.01% |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | 1.00% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.60% |
| Return on equity | 18.70% |
| Net interest margin | 3.73% |
| Efficiency ratio | 42.03% |
| Yield on earning assets | 5.82% |
| Cost of funds | 2.23% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 71.55% |
| Core deposits to total deposits | 99.80% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 91.27% |
| Securities to assets | 4.02% |
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 | 11.69% | 11.69% | 12.86% | 11.41% | 1.33% |
| Q4 2023 | 11.84% | 11.84% | 13.00% | 11.13% | 0.52% |
| Q1 2024 | 12.38% | 12.38% | 13.55% | 11.03% | 1.56% |
| Q2 2024 | 11.69% | 11.69% | 12.86% | 11.38% | 1.11% |
| Q3 2024 | 12.16% | 12.16% | 13.35% | 10.84% | 1.69% |
| Q4 2024 | 12.02% | 12.02% | 13.21% | 10.58% | 1.47% |
| Q1 2025 | 12.21% | 12.21% | 13.42% | 10.21% | 1.48% |
| Q2 2025 | 12.08% | 12.08% | 13.29% | 10.68% | 1.48% |
| Q3 2025 | 11.80% | 11.80% | 13.00% | 11.10% | 1.78% |
| Q4 2025 | 11.70% | 11.70% | 12.89% | 10.92% | 1.69% |
| Q1 2026 | 11.32% | 11.32% | 12.32% | 9.70% | -2.15% |
| Q2 2026 | 11.89% | 11.89% | 12.89% | 9.01% | 1.60% |
Commerceone Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Commerceone 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 Commerceone Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59114) · FFIEC NIC profile (RSSD 5227101)