Total Assets
$2.2B
Total balance-sheet footings
FDIC Cert #14266 · Superior, Wisconsin · Est. 1934
National Bank of Commerce - FDIC Bank Health Profile
A community-scale look at National Bank of Commerce's own numbers, pulled straight from its quarterly FDIC Call Report.
- $2.2B
- Total assets
- A
- Health grade · Excellent
- 1.85%
- Return on assets
- 10.7%
- Tier 1 capital
Data updated July 2026
The verdict
National Bank of Commerce earns a PlainBankData health grade of A (85/100), with well-capitalized at 10.70% Tier 1, profitable at 1.85% ROA, efficient (51% cost ratio).
- #551
- largest of 4,313 FDIC banks by assets
- 87th
- percentile by asset size, nationally
- 10.70%
- Tier 1 ratio - above the 10% well-capitalized line
- 87th
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
How National Bank of Commerce's 85/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
National Bank of Commerce's composite health score
Tier 1 Capital Ratio (10.70%) 28/40
Return on Assets (ROA) (1.85%) 25/25
Texas Ratio (3.38%) 20/20
Efficiency Ratio (51.44%) 12/15
85 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$1.8B
Customer-funded liabilities
Net Loans
$1.6B
Outstanding loan book
Net Income
$40M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where National Bank of Commerce ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. National Bank of Commerce's score of 85/100 falls in the highlighted band.
National Bank of Commerce's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). National Bank of Commerce's $2.2B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
10.70% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
10.70%
Texas Ratio
3.38%
Equity Capital
$214M
Profitability metrics
Return on Assets (ROA)
87th percentile nationally
1.85%
Return on Equity (ROE)
20.05%
Efficiency Ratio
51.44%
What the numbers say about National Bank of Commerce
National Bank of Commerce is an FDIC-insured institution (Certificate #14266) headquartered in Superior, Wisconsin, established in 1934. It holds $2.2B in total assets - 551st of 4,313 FDIC-insured banks, $1.8B in customer deposits, and $1.6B in net loans. On safety, its Tier 1 capital ratio of 10.70% is above the 10% well-capitalized threshold, and its Texas Ratio of 3.38% sits in the healthy range below 50%. It earns a PlainBankData health grade of A (85/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Wisconsin, National Bank of Commerce ranks 14th of 155 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$129M
Interest Income
$10M
Non-Interest Income
$51M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. National Bank of Commerce reports a Texas Ratio of 3.38% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
3.38% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Wisconsin by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) National Bank of Commerce (FDIC Cert #14266) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Wisconsin
All Wisconsin banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Associated Bank, National AssociationGreen Bay | $45.1B | A | 1.10% |
| Nicolet National BankGreen Bay | $9.2B | A | 1.66% |
| Johnson BankRacine | $7.2B | A | 1.07% |
| Town Bank, National AssociationHartland | $4.5B | A | 1.27% |
| Bank First, N.A.Manitowoc | $4.5B | A | 1.64% |
| First Business BankMadison | $4.1B | B | 1.36% |
| John Deere Financial, f.s.b.Middleton | $3.4B | A | 3.87% |
| Lake Ridge BankMiddleton | $3.3B | B | 0.98% |
Frequently asked questions
What is National Bank of Commerce's health grade?▼
National Bank of Commerce receives a health grade of A (85/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is National Bank of Commerce?▼
National Bank of Commerce holds $2.2B in total assets and $1.8B in deposits, ranking 551st of 4,313 FDIC-insured banks by asset size. It is headquartered in Superior, Wisconsin.
Is my money safe at National Bank of Commerce?▼
Yes, deposits at National Bank of Commerce (Certificate #14266) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is National Bank of Commerce's Tier 1 Capital Ratio?▼
National Bank of Commerce has a Tier 1 Capital Ratio of 10.70%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for National Bank of Commerce?▼
National Bank of Commerce has a Texas Ratio of 3.38%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is National Bank of Commerce?▼
National Bank of Commerce has an Efficiency Ratio of 51.44%. Below 60% is considered efficient, the bank converts a strong share of revenue into profit. This metric compares non-interest expenses to total revenue.
What to do with this
How to read National Bank of Commerce's profile as a depositor or analyst.
- National Bank of Commerce's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare National Bank of Commerce against other Wisconsin banks before moving funds. Wisconsin banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.