National Bank of Commerce: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Headquartered in Superior, National Bank of Commerce serves the Wisconsin market as a community-focused commercial bank. The Q2 2026 balance sheet stands at $2.2B in assets, including $1.7B in loans. Returns are notably above industry norms: 2.25% ROA, 23.03% ROE, and 4.47% NIM. Capital is comfortably above regulatory requirements, CET1 ratio of 11.10% sits well above the 7% level required once the capital conservation buffer is included. Credit metrics are in line with industry norms, 0.50% NPL ratio. Its footprint covers 21 branches concentrated in Wisconsin.
As of June 30, 2026, National Bank of Commerce reported a CET1 capital ratio of 11.10%, a return on assets of 2.25%, a nonperforming-loan ratio of 0.50%, a Texas ratio of 7.06%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 1127 Tower Ave, Superior, WI 54880
- County
- Douglas
- Metro Area
- Duluth, MN-WI
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 9, Minneapolis
- Fiduciary (trust) powers
- Trust powers not granted
- Call Report form
- FFIEC 051
- Established
- February 7, 1934
- Former names
- National Bank of Commerce in Duluth (2000-2003); National Bank of Commerce in Superior (1940-2000)
- Offices
- 21 domestic
- Employees (FTE)
- 279
- Domestic deposits
- $1.85B
- Allowance for credit losses
- $16.8M
- Net charge-offs (YTD)
- $464K
- Average total assets
- $2.22B
- Average total loans
- $1.72B
- Average interest-bearing deposits
- $1.50B
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- April 23, 1934
- FDIC Cert
- 14266
- Fed RSSD
- 775456
- SEC CIK
- 1056669 → filed by NATCOM BANCSHARES,INC.
- Website
- www.nbcbanking.com →
- Parent Holding Company
- NATCOM BANCSHARES,INC. (RSSD 2665739)
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full National Bank of Commerce terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock National Bank of Commerce, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
National Bank of Commerce rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.10% | 2.25% | 0.50% | 7.06% | 4.47% |
| Q1 2026 | 10.78% | 1.74% | 0.31% | 5.04% | 4.26% |
| Q4 2025 | 10.70% | 1.95% | 0.31% | 4.09% | 4.31% |
| Q3 2025 | 10.57% | 1.91% | 0.68% | 7.10% | 4.22% |
| Q2 2025 | 10.12% | 1.86% | 0.29% | 5.69% | 4.17% |
| Q1 2025 | 10.17% | 1.62% | 0.31% | 5.75% | 3.94% |
| Q4 2024 | 10.07% | 0.40% | 0.34% | 6.00% | 3.53% |
| Q3 2024 | 12.73% | 1.35% | 0.19% | 4.71% | 3.40% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 21 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| National Bank of Commerce (main office) | Superior , WI | 54880 | $636.9M |
| Duluth Branch | Duluth , MN | 55805 | $318.3M |
| Hermantown Branch | Hermantown , MN | 55811 | $96.0M |
| Bemidji Branch | Bemidji , MN | 56601 | $92.5M |
| Morris Branch | Morris , MN | 56267 | $89.8M |
| Baxter Branch | Baxter , MN | 56425 | $81.7M |
| Midtown Branch | Superior , WI | 54880 | $79.4M |
| Monticello Office | Monticello , MN | 55362 | $63.1M |
| Poplar Branch | Poplar , WI | 54864 | $55.7M |
| Bagley Branch | Bagley , MN | 56621 | $45.7M |
| Solon Springs Branch | Solon Springs , WI | 54873 | $45.5M |
| Big Lake Branch | Big Lake , MN | 55309 | $36.6M |
| Hibbing Branch | Hibbing , MN | 55746 | $36.0M |
| Baudette Branch | Baudette , MN | 56623 | $35.2M |
| Esko Branch | Esko , MN | 55733 | $29.1M |
| Paul Bunyan Branch | Bemidji , MN | 56601 | $28.9M |
| Crosslake Branch | Crosslake , MN | 56442 | $28.3M |
| Woodland Avenue Branch | Duluth , MN | 55803 | $27.0M |
| Benson Branch | Benson , MN | 56215 | $22.7M |
| International Falls Branch | International Falls , MN | 56649 | $4.8M |
| Baxter Office Branch | Baxter , MN | 56425 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| December 14, 2024 | Structure Change | Acquired RiverWood Bank, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 13, 2024 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 26, 2019 | Structure Change | Acquired Republic Bank, Inc. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 25, 2019 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 15, 2008 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 15, 2008 | Structure Change | Acquired Community Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 1, 2003 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 2003 | Structure Change | Acquired National Bank of Commerce in Superior Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 1, 2000 | Structure Change | Sale of Assets | FFIEC NIC |
| September 21, 1972 | Structure Change | Acquired Poplar State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 20, 1972 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 11 events, scroll the table for the full history.
Regulatory record
What the public regulatory sources show for National Bank of Commerce, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- 1 against the institution (OCC)
- January 19, 2010, OCC: Formal Agreement: National Bank of Commerce
- Period: Most recent institution action January 19, 2010. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.4% of deposits in WI, rank 36 of 185 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 588 applications, 501 loans originated, $222.6M originated, across 11 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about National Bank of Commerce
What are National Bank of Commerce's total assets?
As of the Q2 2026 filing, National Bank of Commerce reported total assets of $2.23 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is National Bank of Commerce headquartered?
National Bank of Commerce is headquartered in Superior, WI, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was National Bank of Commerce founded?
National Bank of Commerce was established in 1934, per the FDIC institution directory.
Is National Bank of Commerce FDIC-insured?
Yes. National Bank of Commerce is an FDIC-insured commercial bank (FDIC Certificate #14266). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates National Bank of Commerce?
National Bank of Commerce's primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is National Bank of Commerce's CET1 capital ratio?
National Bank of Commerce reported a Common Equity Tier 1 (CET1) capital ratio of 11.10% in its Q2 2026 call report, above regulatory requirements.
How many branches does National Bank of Commerce operate?
National Bank of Commerce operates 21 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is National Bank of Commerce's Texas Ratio?
National Bank of Commerce's Texas Ratio is 7.06% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was National Bank of Commerce previously called?
The charter now named National Bank of Commerce has also operated as National Bank of Commerce in Duluth (2000-2003), National Bank of Commerce in Superior (1940-2000), per FDIC structure-change records.
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