$2.21B
+5.0%y/y
Percentile by value79th percentileby value
FDIC
ASSETBC
National Bank of Commerce
Superior, WisconsinFDIC Cert #14266
OCCEstablished 193421 branches
Holding company: NATCOM BANCSHARES,INCRegulator: OCC
FDIC
CERT + OFFDOMWhat's happening here
As of Q1 2026FDIC
Call ReportNational Bank of Commerce reported $2.21B in total assets. Deposits grew 1.98% over the prior year.
Return on assets was 1.75%, compared with the official FFIEC UBPR peer median of 1.24%. The leverage ratio was 9.05%.
- Why is Total Assets above its official FFIEC UBPR peers?
- Why is CRE Concentration to Capital above its official FFIEC UBPR peers?
- Why is Efficiency Ratio below its official FFIEC UBPR peers?
Generated offline from verified FDIC facts for the period shown. Bank Data Insights does not rate banks, predict outcomes, or provide advice.
Latest reported quarter
Key metrics
$1.84B
+2.0%y/y
Percentile by value77th percentileby value
FDIC
DEP$1.67B
+2.0%y/y
Percentile by value82nd percentileby value
FDIC
LNLSNET1.75%
+12 bpsy/y
Peer standing79th percentile
FDIC
NETINC + ROA52.03%
−252 bpsy/y
Peer standing72nd percentile
FDIC
NONIX + NIM + NONII + EEFFR9.05%
+46 bpsy/y
Peer standing15th percentile
FDIC
RBC1AAJPercentiles compare this bank with 525 ffiec ubpr peer group 4 — insured commercial banks having assets between $1 billion and $3 billion.
Side-by-side comparison
National Bank of Commerce beside its official FFIEC UBPR peers
The primary option is the peer group FFIEC assigned to this bank. The state option is FFIEC’s supplemental state group. Each pair uses the published FFIEC trimmed average when its formula matches the site registry; otherwise it uses a clearly labeled registry median within the same official membership.
UBPR membership + Call Report metricsThis bank
1.75%
Registry median
1.24%
This bank
18.12%
FFIEC trimmed average
12.61%
This bank
4.30%
Registry median
3.74%
This bank
52.03%
Registry median
59.83%
This bank
+1.98%
FFIEC trimmed average
+6.33%
This bank
+2.00%
FFIEC trimmed average
+7.26%
This bank
0.58%
FFIEC trimmed average
0.69%
This bank
9.05%
FFIEC trimmed average
10.68%
This bank
2.73%
Registry median
2.62%
This bank
315%
Registry median
233%
FFIEC averages are the regulator-published values after excluding the top and bottom 5%. Where the registered metric formula differs from UBPR, the comparison uses the median of reported registry values within the official FFIEC membership and labels it accordingly. Neither basis rates, ranks, or predicts the bank. Missing values remain Not reported.
This bank
1.75%
Registry median
1.26%
This bank
18.12%
FFIEC trimmed average
11.94%
This bank
4.30%
Registry median
3.74%
This bank
52.03%
Registry median
61.70%
This bank
+1.98%
FFIEC trimmed average
+4.94%
This bank
+2.00%
FFIEC trimmed average
+6.79%
This bank
0.58%
FFIEC trimmed average
0.57%
This bank
9.05%
FFIEC trimmed average
10.92%
This bank
2.73%
Registry median
2.50%
This bank
315%
Registry median
193%
FFIEC averages are the regulator-published values after excluding the top and bottom 5%. Where the registered metric formula differs from UBPR, the comparison uses the median of reported registry values within the official FFIEC membership and labels it accordingly. Neither basis rates, ranks, or predicts the bank. Missing values remain Not reported.
FDIC
Call ReportBalance sheet trend
Assets & deposits
| Quarter | Assets | Deposits |
|---|---|---|
| Q2 2021 | $1.17B | $933M |
| Q3 2021 | $1.2B | $992M |
| Q4 2021 | $1.2B | $994M |
| Q1 2022 | $1.24B | $1.01B |
| Q2 2022 | $1.23B | $1.02B |
| Q3 2022 | $1.26B | $1.05B |
| Q4 2022 | $1.25B | $1.04B |
| Q1 2023 | $1.32B | $1.07B |
| Q2 2023 | $1.27B | $1.08B |
| Q3 2023 | $1.33B | $1.14B |
| Q4 2023 | $1.38B | $1.15B |
| Q1 2024 | $1.39B | $1.16B |
| Q2 2024 | $1.41B | $1.17B |
| Q3 2024 | $1.48B | $1.24B |
| Q4 2024 | $2.12B | $1.83B |
| Q1 2025 | $2.1B | $1.81B |
| Q2 2025 | $2.15B | $1.8B |
| Q3 2025 | $2.23B | $1.87B |
| Q4 2025 | $2.21B | $1.85B |
| Q1 2026 | $2.21B | $1.84B |
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $197M |
| Investor CRE | $333M |
| Multifamily | $177M |
| Construction | $170M |
| 1–4 family | $369M |
| C&I | $308M |
| Agriculture | $22.5M |
| Other | $110M |
FFIEC UBPR comparison
How this bank compares
UnfavorableFavorableDirectional metrics only; neutral metrics use blue.
ROA
FDIC
NETINC + ROA1.75%79th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.65%Median 1.24%90th 2.04%Observations 525
ROE
FDIC
NETINC + ROE18.12%84th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 6.55%Median 12.35%90th 20.15%Observations 525
NIM
FDIC
NIM + NIMY4.30%80th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.96%Median 3.74%90th 4.63%Observations 525
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR52.03%72nd percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 44.09%Median 59.83%90th 76.32%Observations 525
Deposits YoY
FDIC
DEP+1.98%30th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −2.14%Median +5.35%90th +19.38%Observations 524
Loans YoY
FDIC
LNLSNET+2.00%25th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −1.07%Median +6.46%90th +18.14%Observations 522
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.58%54th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.06%Median 0.52%90th 1.95%Observations 523
Leverage
FDIC
RBC1AAJ9.05%15th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.84%Median 10.43%90th 13.44%Observations 525
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.73%43rd percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.74%Median 2.62%90th 3.59%Observations 524
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC315%82nd percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 104%Median 233%90th 354%Observations 398
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. For directional metrics, deep red marks the unfavorable endpoint and teal marks the favorable endpoint after applying registry polarity. Neutral metrics use a blue ramp, are ordered from lower to higher reported value, and carry no favorable interpretation. Group membership is FFIEC-published. Expanded distributions use the site’s registered Call Report formula; a displayed FFIEC percentile is used only where the formulas align.
UnfavorableFavorableDirectional metrics only; neutral metrics use blue.
ROA
FDIC
NETINC + ROA1.75%85th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.57%Median 1.26%90th 2.02%Observations 132
ROE
FDIC
NETINC + ROE18.12%88th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 6.18%Median 11.81%90th 18.15%Observations 132
NIM
FDIC
NIM + NIMY4.30%89th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 3.06%Median 3.74%90th 4.33%Observations 132
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR52.03%79th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 43.37%Median 61.70%90th 81.19%Observations 132
Deposits YoY
FDIC
DEP+1.98%26th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −1.10%Median +4.74%90th +11.36%Observations 132
Loans YoY
FDIC
LNLSNET+2.00%20th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −1.08%Median +6.86%90th +15.55%Observations 132
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.58%63rd percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.00%Median 0.34%90th 2.05%Observations 132
Leverage
FDIC
RBC1AAJ9.05%14th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.76%Median 10.51%90th 14.08%Observations 132
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.73%36th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.74%Median 2.50%90th 3.41%Observations 132
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC315%86th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 74%Median 193%90th 350%Observations 78
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. For directional metrics, deep red marks the unfavorable endpoint and teal marks the favorable endpoint after applying registry polarity. Neutral metrics use a blue ramp, are ordered from lower to higher reported value, and carry no favorable interpretation. Group membership is FFIEC-published. Expanded distributions use the site’s registered Call Report formula; a displayed FFIEC percentile is used only where the formulas align.
Branches & markets
Physical footprint
- Domestic offices
- 21 branches
- Headquarters
- Superior, WI
FDIC
OFFDOMOpen the Wisconsin dashboard →History
Institution established
Filings
Q1 2026 Call Report
Q4 2025 Call Report
Q3 2025 Call Report
Q2 2025 Call Report
Public data, presented without a proprietary bank rating.FDIC source data