BlastPoint's Banking Scorecard
Commerce Bank
Micro
Specialty: Commercial
MN
FDIC cert 10212
Designations: ✓ Community bank
Geneva, MN
2498
banks in Micro tier nationally
179 in MN
View Micro leaderboard (MN) →
Commerce Bank faces 3 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 42.24% above tier
- - Non-Interest-Bearing Deposit Share 14.83% below tier
- - Non-Interest Income / Assets 0.54% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$229.8M
-7.8% YoY
-4.4% QoQ
|
+$12.3M |
$217.5M
+2.3% YoY
|
$508.2M
+6.2% YoY
|
$5.9B
+6.5% YoY
|
58% |
| Total Loans ? |
$192.8M
-5.8% YoY
-1.9% QoQ
|
+$53.6M |
$139.2M
+2.8% YoY
|
$283.0M
+6.2% YoY
|
$3.1B
+8.5% YoY
|
72% |
| Total Deposits ? |
$165.1M
-3.3% YoY
-4.3% QoQ
|
-$18.6M |
$183.7M
+1.8% YoY
|
$438.4M
+5.3% YoY
|
$4.7B
+6.3% YoY
|
50% |
| Return on Assets ? |
1.02%
+22.2% YoY
+10.7% QoQ
|
-0.07% |
1.08%
+14.7% YoY
|
1.11%
+14.5% YoY
|
1.12%
+15.6% YoY
|
47% |
| Net Interest Margin ? |
2.80%
+3.8% YoY
+3.3% QoQ
|
-1.06% |
3.85%
+6.6% YoY
|
3.81%
+8.2% YoY
|
3.75%
+7.1% YoY
|
Bottom 11% in tier |
| Efficiency Ratio ? |
56.15%
-12.9% YoY
-8.5% QoQ
|
-11.57% |
67.73%
-4.8% YoY
|
65.34%
-5.0% YoY
|
65.09%
-5.1% YoY
|
78% |
| Delinquency Rate ? |
0.81%
-29.0% QoQ
|
+0.17% |
0.64%
+24.4% YoY
|
0.65%
+17.8% YoY
|
0.66%
+20.3% YoY
|
34% |
| Loan-to-Deposit Ratio ? |
116.77%
-2.6% YoY
+2.6% QoQ
|
+42.24% |
74.53%
+0.5% YoY
|
76.97%
-0.8% YoY
|
78.04%
+0.7% YoY
|
Bottom 2% in tier |
| Non-Interest-Bearing Deposit Share ? |
7.56%
-1.0% YoY
+5.4% QoQ
|
-14.83% |
22.39%
-1.3% YoY
|
21.89%
-2.6% YoY
|
21.79%
-1.3% YoY
|
Bottom 8% in tier |
| Nonperforming Asset Ratio ? |
0.68%
-27.1% QoQ
|
+0.23% |
0.45%
+25.1% YoY
|
0.46%
+7.5% YoY
|
0.48%
+20.8% YoY
|
29% |
| Tier 1 Capital Ratio ? |
15.96%
+9.2% YoY
+3.9% QoQ
|
+7.11% |
8.85%
-3.4% YoY
|
11.33%
-0.2% YoY
|
9.75%
-1.9% YoY
|
76% |
| Non-Interest Income / Assets ? |
0.02%
-15.1% YoY
+44.6% QoQ
|
-0.54% |
0.56%
+0.3% YoY
|
0.50%
+4.9% YoY
|
0.65%
+0.6% YoY
|
Bottom 1% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (3)
Loan-to-Deposit Ratio
metric
Bottom 2%
in Micro
Why this stands out
Current:
116.77%
(Tier avg: 74.53%, National avg: 78.04%)
Non-Interest-Bearing Deposit Share
metric
Bottom 8%
in Micro
Why this stands out
Current:
7.56%
(Tier avg: 22.39%, National avg: 21.79%)
Non-Interest Income / Assets
metric
Bottom 1%
in Micro
Why this stands out
Current:
0.02%
(Tier avg: 0.56%, National avg: 0.65%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
78
78th pctile
Efficiency Ratio
Current: 56.15% · Tier avg: 67.73%
76
76th pctile
Tier 1 Capital Ratio
Current: 15.96% · Tier avg: 8.85%
72
72th pctile
Total Loans
Current: $192.8M · Tier avg: $139.2M
58
58th pctile
Total Assets
Current: $229.8M · Tier avg: $217.5M
50
50th pctile
Total Deposits
Current: $165.1M · Tier avg: $183.7M
47
47th pctile
Return on Assets
Current: 1.02% · Tier avg: 1.08%
34
34th pctile
Delinquency Rate
Current: 0.81% · Tier avg: 0.64%
29
29th pctile
Nonperforming Asset Ratio
Current: 0.68% · Tier avg: 0.45%
11
11th pctile
Net Interest Margin
Current: 2.80% · Tier avg: 3.85%
8
8th pctile
Non-Interest-Bearing Deposit Share
Current: 7.56% · Tier avg: 22.39%
2
2th pctile
Loan-to-Deposit Ratio
Current: 116.77% · Tier avg: 74.53%
1
1th pctile
Non-Interest Income / Assets
Current: 0.02% · Tier avg: 0.56%
Top Weaknesses
1
1th pctile
Non-Interest Income / Assets
Current: 0.02% · Tier avg: 0.56%
2
2th pctile
Loan-to-Deposit Ratio
Current: 116.77% · Tier avg: 74.53%
8
8th pctile
Non-Interest-Bearing Deposit Share
Current: 7.56% · Tier avg: 22.39%
11
11th pctile
Net Interest Margin
Current: 2.80% · Tier avg: 3.85%
29
29th pctile
Nonperforming Asset Ratio
Current: 0.68% · Tier avg: 0.45%
34
34th pctile
Delinquency Rate
Current: 0.81% · Tier avg: 0.64%
47
47th pctile
Return on Assets
Current: 1.02% · Tier avg: 1.08%
50
50th pctile
Total Deposits
Current: $165.1M · Tier avg: $183.7M
58
58th pctile
Total Assets
Current: $229.8M · Tier avg: $217.5M
72
72th pctile
Total Loans
Current: $192.8M · Tier avg: $139.2M
76
76th pctile
Tier 1 Capital Ratio
Current: 15.96% · Tier avg: 8.85%
78
78th pctile
Efficiency Ratio
Current: 56.15% · Tier avg: 67.73%