Commerce Bank Texas: how it compares with its peers
Against 46 TX banks with half to twice its assets, Commerce Bank Texas's strongest measure in Q2 2026 is assets per employee ($7.6M vs. a $5.2M peer median). Its weakest relative measure is return on assets (-0.09% vs. 1.04%).
| Measure | Commerce Bank Texas | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | -0.09% | 1.04% | Bottom third Ahead of 11% of peers |
| Net interest margin Annualized net interest income over earning assets. | 2.92% | 4.00% | Bottom third Ahead of 13% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 104.48% | 72.74% | Bottom third Ahead of 11% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.6M | $5.2M | Top third Ahead of 80% of peers |
| Loans to deposits Net loans and leases over total deposits. | 45.52% | 43.78% | Context |
What it means for lending operations
Its efficiency ratio of 104.48% is above the 72.74% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- City National Bank Corsicana, TX · $62M
- Producer Bank of Texas Powell, TX · $59M
- First State Bank Junction, TX · $58M
- Kress National Bank Kress, TX · $64M
- Crowell State Bank Crowell, TX · $57M
- The First National Bank in Cooper Cooper, TX · $57M
Questions about Commerce Bank Texas
How big is Commerce Bank Texas?
Commerce Bank Texas, established in 1932, is headquartered in Stockdale, TX. It reported $61M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is Commerce Bank Texas's return on assets?
-0.09% annualized in Q2 2026, against a 1.04% median for 46 TX banks with half to twice its assets, ahead of 11% of them.
What is Commerce Bank Texas's efficiency ratio?
104.48% in Q2 2026: it spent about 104 cents in noninterest expense for each dollar of revenue. The peer median is 72.74%, and lower is better.
Is Commerce Bank Texas growing its loans?
Net loans grew 6.0% over the year to Q2 2026, while deposits shrank 4.5%.
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 TX 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 Texas bank ranked.