National Bank of Commerce: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks National Bank of Commerce of Superior, WI against its peer group of 927 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 | 2.25% | 1.46% | +0.79% | 93rd top |
| ROAE | 23.03% | 12.68% | +10.35% | 93rd top |
| Net Interest Margin | 4.47% | 3.85% | +0.62% | 88th top |
| Efficiency Ratio | 47.71% | 57.41% | -9.70% | 80th top |
| PPNR / Avg Assets | 2.37% | 1.88% | +0.49% | 84th top |
| Yield on Earning Assets | 6.45% | 5.72% | +0.73% | 88th top |
| Cost of Funds | 2.11% | 2.02% | +0.09% | 44th below |
| Net Interest Spread | 3.91% | 3.18% | +0.73% | 89th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.50% | 1.00% | -0.50% | 57th above |
| NPA / Total Assets | 0.39% | 0.76% | -0.37% | 58th above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.07% | 0.43% | -0.36% | 37th below |
| ACL / Total Loans | 0.98% | 1.31% | -0.33% | 27th below |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 193.95% | 564.69% | -370.74% | 53rd above |
| Texas Ratio Ahead of the peer average, behind the median peer. | 7.06% | 7.39% | -0.33% | 34th below |
| Provision / NCO Behind the peer average, ahead of the median peer. | 265.30% | 618.91% | -353.61% | 65th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 11.10% | 17.34% | -6.24% | 12th bottom |
| Tier 1 Ratio | 11.10% | 17.37% | -6.27% | 11th bottom |
| Total Capital Ratio | 12.03% | 18.42% | -6.39% | 9th bottom |
| Leverage Ratio | 9.33% | 11.44% | -2.11% | 19th bottom |
| Equity / Assets | 9.85% | 11.34% | -1.49% | 40th below |
| TCE / Tangible Assets | 8.86% | 10.50% | -1.64% | 29th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 92.87% | 86.95% | +5.92% | 36th below |
| Core Deposit Ratio | 76.35% | 85.56% | -9.21% | 15th bottom |
| Uninsured Deposit Ratio | 29.06% | 33.13% | -4.07% | 57th above |
| Wholesale Funding Ratio | 6.76% | 5.70% | +1.06% | 30th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 4.02% | 9.68% | -5.66% | 42nd below |
| Loan Growth (Y/Y) | 1.45% | 8.06% | -6.61% | 25th below |
| Deposit Growth (Y/Y) | 2.81% | 7.88% | -5.07% | 36th below |
See National Bank of Commerce's peers by name
The 927 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock National Bank of Commerce, 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 National Bank of Commerce profile, how to read a UBPR, or how this data updates.