BlastPoint's Banking Scorecard
Commerce Bank
Community
Specialty: Mortgage
TX
FDIC cert 23772
Laredo, TX
1484
banks in Community tier nationally
136 in TX
View Community leaderboard (TX) →
Commerce Bank has 6 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 26% in Community
- + Revenue Diversifier: Top 44% in Community
- + Efficiency Ratio 29.06% below tier
- + Loan-to-Deposit Ratio 59.32% below tier
- + Nonperforming Asset Ratio 0.48% below tier
- + Tier 1 Capital Ratio 21.38% above tier
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 60% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$736.9M
-1.1% YoY
+0.1% QoQ
|
-$654.5M |
$1.4B
+2.0% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
30% |
| Total Loans ? |
$156.2M
+3.7% YoY
+0.3% QoQ
|
-$819.3M |
$975.5M
+2.4% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
Bottom 1% in tier |
| Total Deposits ? |
$657.9M
-0.5% YoY
-0.5% QoQ
|
-$506.7M |
$1.2B
+1.7% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
34% |
| Return on Assets ? |
1.93%
-8.8% YoY
-1.2% QoQ
|
+0.77% |
1.16%
+17.2% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
Top 10% in tier |
| Net Interest Margin ? |
2.99%
-3.2% YoY
-2.1% QoQ
|
-0.67% |
3.66%
+9.1% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
18% |
| Efficiency Ratio ? |
33.57%
+4.7% YoY
-0.2% QoQ
|
-29.06% |
62.63%
-5.3% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
Top 1% in tier |
| Delinquency Rate ? |
0.10%
-11.7% YoY
-62.7% QoQ
|
-0.52% |
0.63%
+18.3% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
81% |
| Loan-to-Deposit Ratio ? |
23.75%
+4.2% YoY
+0.8% QoQ
|
-59.32% |
83.06%
+0.3% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
Top 1% in tier |
| Non-Interest-Bearing Deposit Share ? |
27.92%
-7.2% YoY
-1.0% QoQ
|
+6.87% |
21.05%
-0.9% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
79% |
| Nonperforming Asset Ratio ? |
0.02%
-7.4% YoY
-62.6% QoQ
|
-0.48% |
0.50%
+20.3% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
Top 9% in tier |
| Tier 1 Capital Ratio ? |
31.63%
-15.7% YoY
+5.6% QoQ
|
+21.38% |
10.24%
-0.6% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
Top 1% in tier |
| Non-Interest Income / Assets ? |
0.88%
-6.4% YoY
+34.1% QoQ
|
+0.14% |
0.74%
-1.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
82% |
Signature Analysis
Strengths (6)
Credit Quality Leader
growth
#99 of 371 · Top 26% in Community
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.10%
(Tier: 0.63%, National: 0.66%)
371 of 371 Community banks match
·
443 nationally
→ Stable
+6 banks QoQ
Revenue Diversifier
growth
#164 of 371 · Top 44% in Community
Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Why this signature
Noninterest Income / Assets:
0.88%
(Tier: 0.74%, National: 0.65%)
Return on Assets:
1.93%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
441 nationally
→ Stable
+4 banks QoQ
|
QoQ rank improving
Efficiency Ratio
metric
Top 1%
in Community
Why this stands out
Current:
33.57%
(Tier avg: 62.63%, National avg: 65.09%)
Loan-to-Deposit Ratio
metric
Top 1%
in Community
Why this stands out
Current:
23.75%
(Tier avg: 83.06%, National avg: 78.04%)
Nonperforming Asset Ratio
metric
Top 9%
in Community
Why this stands out
Current:
0.02%
(Tier avg: 0.50%, National avg: 0.48%)
Tier 1 Capital Ratio
metric
Top 1%
in Community
Why this stands out
Current:
31.63%
(Tier avg: 10.24%, National avg: 9.75%)
Concerns (1)
Margin Compression
decline
#73 of 120 · Bottom 60% in Community
Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Why this signature
Return on Assets:
1.93%
(Tier: 1.16%, National: 1.12%)
120 of 120 Community banks match
·
147 nationally
→ Stable
-9 banks QoQ
|
QoQ rank improving
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
100
100th pctile
Loan-to-Deposit Ratio
Current: 23.75% · Tier avg: 83.06%
99
99th pctile
Tier 1 Capital Ratio
Current: 31.63% · Tier avg: 10.24%
99
99th pctile
Efficiency Ratio
Current: 33.57% · Tier avg: 62.63%
91
91th pctile
Nonperforming Asset Ratio
Current: 0.02% · Tier avg: 0.50%
90
90th pctile
Return on Assets
Current: 1.93% · Tier avg: 1.16%
82
82th pctile
Non-Interest Income / Assets
Current: 0.88% · Tier avg: 0.74%
81
81th pctile
Delinquency Rate
Current: 0.10% · Tier avg: 0.63%
79
79th pctile
Non-Interest-Bearing Deposit Share
Current: 27.92% · Tier avg: 21.05%
34
34th pctile
Total Deposits
Current: $657.9M · Tier avg: $1.2B
30
30th pctile
Total Assets
Current: $736.9M · Tier avg: $1.4B
18
18th pctile
Net Interest Margin
Current: 2.99% · Tier avg: 3.66%
1
1th pctile
Total Loans
Current: $156.2M · Tier avg: $975.5M
Top Weaknesses
1
1th pctile
Total Loans
Current: $156.2M · Tier avg: $975.5M
18
18th pctile
Net Interest Margin
Current: 2.99% · Tier avg: 3.66%
30
30th pctile
Total Assets
Current: $736.9M · Tier avg: $1.4B
34
34th pctile
Total Deposits
Current: $657.9M · Tier avg: $1.2B
79
79th pctile
Non-Interest-Bearing Deposit Share
Current: 27.92% · Tier avg: 21.05%
81
81th pctile
Delinquency Rate
Current: 0.10% · Tier avg: 0.63%
82
82th pctile
Non-Interest Income / Assets
Current: 0.88% · Tier avg: 0.74%
90
90th pctile
Return on Assets
Current: 1.93% · Tier avg: 1.16%
91
91th pctile
Nonperforming Asset Ratio
Current: 0.02% · Tier avg: 0.50%
99
99th pctile
Efficiency Ratio
Current: 33.57% · Tier avg: 62.63%
99
99th pctile
Tier 1 Capital Ratio
Current: 31.63% · Tier avg: 10.24%
100
100th pctile
Loan-to-Deposit Ratio
Current: 23.75% · Tier avg: 83.06%