National Bank of Commerce: how it compares with its peers
Against 17 WI banks with half to twice its assets, National Bank of Commerce's strongest measure in Q2 2026 is return on assets (2.00% vs. a 1.10% peer median). Its weakest relative measure is assets per employee ($8.0M vs. $7.7M).
| Measure | National Bank of Commerce | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 2.00% | 1.10% | Top third Ahead of 94% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.39% | 3.63% | Top third Ahead of 88% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 50.01% | 60.75% | Top third Ahead of 94% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $8.0M | $7.7M | Middle third Ahead of 59% of peers |
| Loans to deposits Net loans and leases over total deposits. | 91.96% | 94.46% | Context |
What it means for lending operations
Its efficiency ratio of 50.01% is better than the 60.75% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- WaterStone Bank, SSB Wauwatosa, WI · $2.25B
- IncredibleBank Wausau, WI · $2.10B
- Tri City National Bank Oak Creek, WI · $1.95B
- Bank Five Nine Oconomowoc, WI · $2.53B
- North Shore Bank Brookfield, WI · $2.61B
- One Community Bank Oregon, WI · $2.63B
Questions about National Bank of Commerce
How big is National Bank of Commerce?
National Bank of Commerce, established in 1934, is headquartered in Superior, WI. It reported $2.23B in total assets in its Q2 2026 FDIC call report and operates 21 offices.
What is National Bank of Commerce's return on assets?
2.00% annualized in Q2 2026, against a 1.10% median for 17 WI banks with half to twice its assets, ahead of 94% of them.
What is National Bank of Commerce's efficiency ratio?
50.01% in Q2 2026: it spent about 50 cents in noninterest expense for each dollar of revenue. The peer median is 60.75%, and lower is better.
Is National Bank of Commerce growing its loans?
Net loans grew 1.4% over the year to Q2 2026, while deposits grew 2.8%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are WI banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Wisconsin bank ranked.