BlastPoint's Banking Scorecard
Commerce Bank Texas
Micro
Specialty: Other
TX
FDIC cert 15346
Designations: ✓ Community bank
Stockdale, TX
2498
banks in Micro tier nationally
193 in TX
View Micro leaderboard (TX) →
Commerce Bank Texas has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 32.92% below tier
Key Concerns
Areas that may need attention
- - Efficiency Ratio 23.55% above tier
- - Delinquency Rate 2.94% above tier
- - Nonperforming Asset Ratio 1.84% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$61.4M
-0.5% YoY
-2.5% QoQ
|
-$156.1M |
$217.5M
+2.3% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
Bottom 11% in tier |
| Total Loans ? |
$21.8M
-21.5% YoY
-10.1% QoQ
|
-$117.3M |
$139.2M
+2.8% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
Bottom 7% in tier |
| Total Deposits ? |
$52.5M
+5.8% YoY
-2.7% QoQ
|
-$131.2M |
$183.7M
+1.8% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
Bottom 11% in tier |
| Return on Assets ? |
0.34%
+64.4% YoY
-17.1% QoQ
|
-0.74% |
1.08%
+14.7% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
Bottom 13% in tier |
| Net Interest Margin ? |
2.95%
-1.6% YoY
+0.5% QoQ
|
-0.91% |
3.85%
+6.6% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
Bottom 15% in tier |
| Efficiency Ratio ? |
91.28%
-0.0% YoY
+3.3% QoQ
|
+23.55% |
67.73%
-4.8% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
Bottom 8% in tier |
| Delinquency Rate ? |
3.58%
+157.1% QoQ
|
+2.94% |
0.64%
+24.4% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
41.61%
-25.8% YoY
-7.6% QoQ
|
-32.92% |
74.53%
+0.5% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
Top 7% in tier |
| Non-Interest-Bearing Deposit Share ? |
29.81%
+11.9% YoY
-9.4% QoQ
|
+7.41% |
22.39%
-1.3% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
79% |
| Nonperforming Asset Ratio ? |
2.29%
+49.7% QoQ
|
+1.84% |
0.45%
+25.1% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
Bottom 5% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.46%
+219.9% YoY
+9.6% QoQ
|
-0.11% |
0.56%
+0.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
64% |
Signature Analysis
Strengths (1)
Loan-to-Deposit Ratio
metric
Top 7%
in Micro
Why this stands out
Current:
41.61%
(Tier avg: 74.53%, National avg: 78.04%)
Concerns (3)
Efficiency Ratio
metric
Bottom 8%
in Micro
Why this stands out
Current:
91.28%
(Tier avg: 67.73%, National avg: 65.09%)
Delinquency Rate
metric
Bottom 1%
in Micro
Why this stands out
Current:
3.58%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 5%
in Micro
Why this stands out
Current:
2.29%
(Tier avg: 0.45%, National avg: 0.48%)
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
93
93th pctile
Loan-to-Deposit Ratio
Current: 41.61% · Tier avg: 74.53%
79
79th pctile
Non-Interest-Bearing Deposit Share
Current: 29.81% · Tier avg: 22.39%
64
64th pctile
Non-Interest Income / Assets
Current: 0.46% · Tier avg: 0.56%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
15
15th pctile
Net Interest Margin
Current: 2.95% · Tier avg: 3.85%
13
13th pctile
Return on Assets
Current: 0.34% · Tier avg: 1.08%
11
11th pctile
Total Deposits
Current: $52.5M · Tier avg: $183.7M
11
11th pctile
Total Assets
Current: $61.4M · Tier avg: $217.5M
8
8th pctile
Efficiency Ratio
Current: 91.28% · Tier avg: 67.73%
7
7th pctile
Total Loans
Current: $21.8M · Tier avg: $139.2M
5
5th pctile
Nonperforming Asset Ratio
Current: 2.29% · Tier avg: 0.45%
0
0th pctile
Delinquency Rate
Current: 3.58% · Tier avg: 0.64%
Top Weaknesses
0
0th pctile
Delinquency Rate
Current: 3.58% · Tier avg: 0.64%
5
5th pctile
Nonperforming Asset Ratio
Current: 2.29% · Tier avg: 0.45%
7
7th pctile
Total Loans
Current: $21.8M · Tier avg: $139.2M
8
8th pctile
Efficiency Ratio
Current: 91.28% · Tier avg: 67.73%
11
11th pctile
Total Assets
Current: $61.4M · Tier avg: $217.5M
11
11th pctile
Total Deposits
Current: $52.5M · Tier avg: $183.7M
13
13th pctile
Return on Assets
Current: 0.34% · Tier avg: 1.08%
15
15th pctile
Net Interest Margin
Current: 2.95% · Tier avg: 3.85%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
64
64th pctile
Non-Interest Income / Assets
Current: 0.46% · Tier avg: 0.56%
79
79th pctile
Non-Interest-Bearing Deposit Share
Current: 29.81% · Tier avg: 22.39%
93
93th pctile
Loan-to-Deposit Ratio
Current: 41.61% · Tier avg: 74.53%