Commercial Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Commercial Bank of Saint Louis, MO against its peer group of 2672 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 | 0.52% | 1.34% | -0.82% | 13th bottom |
| ROAE | 9.87% | 13.32% | -3.45% | 35th below |
| Net Interest Margin | 3.48% | 3.93% | -0.45% | 26th below |
| Efficiency Ratio | 78.47% | 61.13% | +17.34% | 15th bottom |
| PPNR / Avg Assets | 0.77% | 1.68% | -0.91% | 14th bottom |
| Yield on Earning Assets | 5.06% | 5.67% | -0.61% | 26th below |
| Cost of Funds | 1.70% | 1.88% | -0.18% | 57th above |
| Net Interest Spread | 2.89% | 3.32% | -0.43% | 28th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.24% | 0.94% | +0.30% | 23rd bottom |
| NPA / Total Assets | 0.87% | 0.70% | +0.17% | 24th bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.08% | 0.16% | -0.08% | 21st bottom |
| ACL / Total Loans | 1.14% | 1.28% | -0.14% | 42nd below |
| ACL / NPLs (Coverage) | 91.62% | 1539.11% | -1447.49% | 25th below |
| Texas Ratio | 13.90% | 7.33% | +6.57% | 14th bottom |
| Provision / NCO | 96.15% | 1396.03% | -1299.88% | 39th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 10.86% | 19.51% | -8.65% | 7th bottom |
| Tier 1 Ratio | 10.86% | 19.54% | -8.68% | 7th bottom |
| Total Capital Ratio | 11.95% | 20.63% | -8.68% | 7th bottom |
| Leverage Ratio | 7.93% | 12.14% | -4.21% | 2nd bottom |
| Equity / Assets | 5.45% | 11.38% | -5.93% | 2nd bottom |
| TCE / Tangible Assets | 5.45% | 11.09% | -5.64% | 2nd bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 80.41% | 80.64% | -0.23% | 50th above |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 88.33% | 86.86% | +1.47% | 45th below |
| Wholesale Funding Ratio | 6.33% | 5.03% | +1.30% | 29th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -0.87% | 6.85% | -7.72% | 15th bottom |
| Loan Growth (Y/Y) | 10.34% | 7.90% | +2.44% | 75th top |
| Deposit Growth (Y/Y) | -1.49% | 6.29% | -7.78% | 15th bottom |
See Commercial Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Commercial 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 Commercial Bank profile, how to read a UBPR, or how this data updates.