Bank Comparison
Commerce Bank Texas vs State National Bank of Groom, the
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
5 · 14
winning metrics across 19 comparable rows
Capital adequacy
| Metric | Commerce Bank Texas | State National Bank of Groom, the |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 12.82% | 11.35% |
| Equity / Assets | 13.74% | 12.03% |
Profitability
| Metric | Commerce Bank Texas | State National Bank of Groom, the |
|---|---|---|
| Return on Assets (ROA) | -0.17% | 1.14% |
| Return on Equity (ROE) | -1.19% | 10.22% |
| Net Interest Margin (NIM) | 2.74% | 3.99% |
| Yield on Earning Assets | 4.07% | 6.69% |
| Cost of Funds | 1.45% | 3.08% |
Asset quality
| Metric | Commerce Bank Texas | State National Bank of Groom, the |
|---|---|---|
| Texas Ratio | 21.09% | 7.16% |
| Non-Performing Loan Ratio | 2.80% | 0.36% |
| Non-Performing Asset Ratio | 2.07% | 0.95% |
| Net Charge-Off Ratio | 0.00% | -0.08% |
| ACL / Loans | 0.88% | 1.74% |
Balance sheet
| Metric | Commerce Bank Texas | State National Bank of Groom, the |
|---|---|---|
| Total Assets | $60,549K | $60,856K |
| Total Deposits | $51,756K | $53,425K |
| Total Loans | $22,395K | $45,599K |
| Total Equity | $8,319K | $7,321K |
| Net Income (quarter) | $-25 | $185 |
Liquidity & funding
| Metric | Commerce Bank Texas | State National Bank of Groom, the |
|---|---|---|
| Loan-to-Deposit Ratio | 43.27% | 85.35% |
| Core Deposit Ratio | 83.51% | 98.77% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Commerce Bank Texas | State National Bank of Groom, the |
|---|---|---|
| Headquarters City | STOCKDALE | GROOM |
| Headquarters State | TX | TX |
| Asset Tier | Micro | Micro |
| Charter Class | 0 | 12742 |
| Regulator | FDIC | OCC |
| Domestic Branches | 2 | 1 |
| Employees (FTE) | 8 | 8 |
| Established | Feb. 1, 1932, midnight | May 1, 1925, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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