National Bank of Commerce: 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 Reserve coverage of non-performing loans: 133.26 percentage points lower than in Q1 2026, at 193.95%. Among 153 Wisconsin banks, National Bank of Commerce sits 14th from the top on return on assets, 2.25% as of Q2 2026. Against a median of 1.28% for banks in the $1B-10B asset tier, National Bank of Commerce reported 2.25% on return on assets in Q2 2026, 0.97 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 11.10% |
| Tier 1 risk-based capital ratio | 11.10% |
| Total risk-based capital ratio | 12.03% |
| Tier 1 leverage ratio | 9.33% |
| Equity capital to assets | 9.85% |
| Tangible equity to tangible assets | 8.86% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.50% |
| Non-performing assets ratio | 0.39% |
| Net charge-off ratio | 0.07% |
| Texas ratio | 7.06% |
| Allowance for credit losses to loans | 0.98% |
| Reserve coverage of non-performing loans | 193.95% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.25% |
| Return on equity | 23.03% |
| Net interest margin | 4.47% |
| Efficiency ratio | 47.71% |
| Yield on earning assets | 6.45% |
| Cost of funds | 2.11% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 92.87% |
| Core deposits to total deposits | 76.35% |
| Brokered deposits to total deposits | 15.06% |
| Deposits to assets | 82.97% |
| Securities to assets | 17.10% |
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 | 12.35% | 12.35% | 13.32% | 10.86% | 1.74% |
| Q4 2023 | 12.29% | 12.29% | 13.24% | 10.57% | 1.23% |
| Q1 2024 | 12.64% | 12.64% | 13.64% | 10.43% | 1.51% |
| Q2 2024 | 12.67% | 12.67% | 13.66% | 10.56% | 1.34% |
| Q3 2024 | 12.73% | 12.73% | 13.64% | 10.21% | 1.35% |
| Q4 2024 | 10.07% | 10.07% | 10.94% | 10.67% | 0.40% |
| Q1 2025 | 10.17% | 10.17% | 11.06% | 8.59% | 1.62% |
| Q2 2025 | 10.12% | 10.12% | 11.02% | 8.79% | 1.86% |
| Q3 2025 | 10.57% | 10.57% | 11.49% | 8.61% | 1.91% |
| Q4 2025 | 10.70% | 10.70% | 11.59% | 8.83% | 1.95% |
| Q1 2026 | 10.78% | 10.78% | 11.72% | 9.05% | 1.74% |
| Q2 2026 | 11.10% | 11.10% | 12.03% | 9.33% | 2.25% |
National Bank of Commerce vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock National Bank of Commerce, 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 National Bank of Commerce profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14266) · FFIEC NIC profile (RSSD 775456)