BlastPoint's Banking Scorecard
CommerceOne Bank
Community
Specialty: Commercial
AL
FDIC cert 59114
Birmingham, AL
1484
banks in Community tier nationally
26 in AL
View Community leaderboard (AL) →
CommerceOne Bank has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 20.11% below tier
- + Delinquency Rate 0.63% below tier
- + Nonperforming Asset Ratio 0.50% below tier
Key Concerns
Areas that may need attention
- - Non-Interest Income / Assets 0.59% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$839.7M
+8.2% YoY
+0.1% QoQ
|
-$551.7M |
$1.4B
+2.0% YoY
|
$2.4B
+1.3% YoY
|
$5.9B
+6.5% YoY
|
38% |
| Total Loans ? |
$703.1M
+16.6% YoY
+2.8% QoQ
|
-$272.3M |
$975.5M
+2.4% YoY
|
$1.5B
-0.1% YoY
|
$3.1B
+8.5% YoY
|
50% |
| Total Deposits ? |
$719.9M
+2.7% YoY
-3.2% QoQ
|
-$444.7M |
$1.2B
+1.7% YoY
|
$2.0B
+1.3% YoY
|
$4.7B
+6.3% YoY
|
40% |
| Return on Assets ? |
1.58%
+8.5% YoY
+1.5% QoQ
|
+0.42% |
1.16%
+17.2% YoY
|
1.11%
+4.4% YoY
|
1.12%
+15.6% YoY
|
77% |
| Net Interest Margin ? |
3.86%
+7.7% YoY
+2.4% QoQ
|
+0.19% |
3.66%
+9.1% YoY
|
3.94%
+3.2% YoY
|
3.75%
+7.1% YoY
|
63% |
| Efficiency Ratio ? |
42.52%
+5.2% YoY
+0.2% QoQ
|
-20.11% |
62.63%
-5.3% YoY
|
64.78%
-3.4% YoY
|
65.09%
-5.1% YoY
|
Top 6% in tier |
| Delinquency Rate ? | 0.00% | -0.63% |
0.63%
+18.3% YoY
|
0.66%
-12.1% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
97.67%
+13.5% YoY
+6.1% QoQ
|
+14.61% |
83.06%
+0.3% YoY
|
68.23%
+2.7% YoY
|
78.04%
+0.7% YoY
|
82% |
| Non-Interest-Bearing Deposit Share ? |
19.01%
+2.5% YoY
-7.7% QoQ
|
-2.03% |
21.05%
-0.9% YoY
|
24.36%
+3.3% YoY
|
21.79%
-1.3% YoY
|
44% |
| Nonperforming Asset Ratio ? | 0.00% | -0.50% |
0.50%
+20.3% YoY
|
0.53%
+14.0% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? |
11.70%
-2.7% YoY
-0.9% QoQ
|
+1.45% |
10.24%
-0.6% YoY
|
6.46%
-12.3% YoY
|
9.75%
-1.9% YoY
|
44% |
| Non-Interest Income / Assets ? |
0.15%
+96.9% YoY
+19.0% QoQ
|
-0.59% |
0.74%
-1.3% YoY
|
0.77%
+11.5% YoY
|
0.65%
+0.6% YoY
|
Bottom 7% in tier |
Signature Analysis
Strengths (3)
Efficiency Ratio
metric
Top 6%
in Community
Why this stands out
Current:
42.52%
(Tier avg: 62.63%, National avg: 65.09%)
Delinquency Rate
metric
Top 1%
in Community
Why this stands out
Current:
0.00%
(Tier avg: 0.63%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 1%
in Community
Why this stands out
Current:
0.00%
(Tier avg: 0.50%, National avg: 0.48%)
Concerns (1)
Non-Interest Income / Assets
metric
Bottom 7%
in Community
Why this stands out
Current:
0.15%
(Tier avg: 0.74%, 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
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.63%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.50%
94
94th pctile
Efficiency Ratio
Current: 42.52% · Tier avg: 62.63%
82
82th pctile
Loan-to-Deposit Ratio
Current: 97.67% · Tier avg: 83.06%
77
77th pctile
Return on Assets
Current: 1.58% · Tier avg: 1.16%
63
63th pctile
Net Interest Margin
Current: 3.86% · Tier avg: 3.66%
50
50th pctile
Total Loans
Current: $703.1M · Tier avg: $975.5M
44
44th pctile
Non-Interest-Bearing Deposit Share
Current: 19.01% · Tier avg: 21.05%
44
44th pctile
Tier 1 Capital Ratio
Current: 11.70% · Tier avg: 10.24%
40
40th pctile
Total Deposits
Current: $719.9M · Tier avg: $1.2B
38
38th pctile
Total Assets
Current: $839.7M · Tier avg: $1.4B
7
7th pctile
Non-Interest Income / Assets
Current: 0.15% · Tier avg: 0.74%
Top Weaknesses
7
7th pctile
Non-Interest Income / Assets
Current: 0.15% · Tier avg: 0.74%
38
38th pctile
Total Assets
Current: $839.7M · Tier avg: $1.4B
40
40th pctile
Total Deposits
Current: $719.9M · Tier avg: $1.2B
44
44th pctile
Tier 1 Capital Ratio
Current: 11.70% · Tier avg: 10.24%
44
44th pctile
Non-Interest-Bearing Deposit Share
Current: 19.01% · Tier avg: 21.05%
50
50th pctile
Total Loans
Current: $703.1M · Tier avg: $975.5M
63
63th pctile
Net Interest Margin
Current: 3.86% · Tier avg: 3.66%
77
77th pctile
Return on Assets
Current: 1.58% · Tier avg: 1.16%
82
82th pctile
Loan-to-Deposit Ratio
Current: 97.67% · Tier avg: 83.06%
94
94th pctile
Efficiency Ratio
Current: 42.52% · Tier avg: 62.63%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.50%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.63%