CommerceOne Bank: how it compares with its peers
Against 20 AL banks with half to twice its assets, CommerceOne Bank's strongest measure in Q2 2026 is efficiency ratio (43.89% vs. a 61.57% peer median). Its weakest relative measure is return on assets (-0.16% vs. 1.29%).
| Measure | CommerceOne Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | -0.16% | 1.29% | Bottom third Ahead of 10% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.72% | 3.74% | Middle third Ahead of 50% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 43.89% | 61.57% | Top third Ahead of 100% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $18.6M | $7.4M | Top third Ahead of 100% of peers |
| Loans to deposits Net loans and leases over total deposits. | 70.84% | 72.73% | Context |
What it means for lending operations
Its efficiency ratio of 43.89% is better than the 61.57% 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
- AuburnBank Auburn, AL · $1.09B
- First Metro Bank Muscle Shoals, AL · $1.01B
- First US Bank Birmingham, AL · $1.15B
- Metro Bank Pell City, AL · $1.18B
- West Alabama Bank & Trust Reform, AL · $929M
- Citizens Bank & Trust Guntersville, AL · $1.20B
Questions about CommerceOne Bank
How big is CommerceOne Bank?
CommerceOne Bank, established in 2018, is headquartered in Birmingham, AL. It reported $1.06B in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is CommerceOne Bank's return on assets?
-0.16% annualized in Q2 2026, against a 1.29% median for 20 AL banks with half to twice its assets, ahead of 10% of them.
What is CommerceOne Bank's efficiency ratio?
43.89% in Q2 2026: it spent about 44 cents in noninterest expense for each dollar of revenue. The peer median is 61.57%, and lower is better.
Is CommerceOne Bank growing its loans?
Net loans grew 6.1% over the year to Q2 2026, while deposits grew 44.3%.
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 AL 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 Alabama bank ranked.