Commerce Bank: how it compares with its peers
Against 122 TX banks with half to twice its assets, Commerce Bank's strongest measure in Q2 2026 is efficiency ratio (34.27% vs. a 60.06% peer median). Its weakest relative measure is net interest margin (2.94% vs. 4.23%).
| Measure | Commerce Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.81% | 1.44% | Top third Ahead of 75% of peers |
| Net interest margin Annualized net interest income over earning assets. | 2.94% | 4.23% | Bottom third Ahead of 7% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 34.27% | 60.06% | Top third Ahead of 95% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $16.9M | $7.8M | Top third Ahead of 93% of peers |
| Loans to deposits Net loans and leases over total deposits. | 28.91% | 78.16% | Context |
What it means for lending operations
Its efficiency ratio of 34.27% is better than the 60.06% 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
- First State Bank Athens, TX · $762M
- Liberty Capital Bank Addison, TX · $768M
- Sage Capital Bank, Gonzales, TX · $769M
- Schertz Bank & Trust Schertz, TX · $770M
- American Bank, National Association Dallas, TX · $774M
- Kleberg Bank, N.A. Kingsville, TX · $737M
Questions about Commerce Bank
How big is Commerce Bank?
Commerce Bank, established in 1982, is headquartered in Laredo, TX. It reported $762M in total assets in its Q2 2026 FDIC call report and operates 3 offices.
What is Commerce Bank's return on assets?
1.81% annualized in Q2 2026, against a 1.44% median for 122 TX banks with half to twice its assets, ahead of 75% of them.
What is Commerce Bank's efficiency ratio?
34.27% in Q2 2026: it spent about 34 cents in noninterest expense for each dollar of revenue. The peer median is 60.06%, and lower is better.
Is Commerce Bank growing its loans?
Net loans grew 23.7% over the year to Q2 2026, while deposits shrank 0.1%.
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.