National Bank Of Commerce (FDIC #14266): Bank Stress & Real-Estate Credit Exposure

National Bank Of Commerce (FDIC Cert #14266): bank stress 51/100, moderate, STABLE over 7 days; parent NATCOM BANCSHARES,INC.

National Bank Of Commerce (#14266) lends in 12 counties across 2 states; National Bank Of Commerce (#14266) reaches 174 ZIP codes: Minnesota 11 counties, 162 ZIPs; Wisconsin 1 county, 12 ZIPs.

National Bank Of Commerce (#14266) largest markets: St. Louis County, MN (208 branches, 52 ZIPs) (#14266), Wright County, MN (19 branches, 19 ZIPs) (#14266), Beltrami County, MN (36 branches, 18 ZIPs) (#14266), Crow Wing County, MN (54 branches, 18 ZIPs) (#14266), Carlton County, MN (15 branches, 15 ZIPs) (#14266), Koochiching County, MN (14 branches, 14 ZIPs) (#14266).

National Bank Of Commerce (#14266) reports $2.23 billion in total assets; National Bank Of Commerce (#14266) equity $219.9 million (9.8% of National Bank Of Commerce (#14266) assets); National Bank Of Commerce (#14266) domestic deposits $1.85 billion; National Bank Of Commerce (#14266) net income $22.1 million; National Bank Of Commerce (#14266) return on assets 2.00%; National Bank Of Commerce (#14266) return on equity 20.52%; National Bank Of Commerce (#14266) net interest income $45.9 million; National Bank Of Commerce (#14266) call report June 30, 2026.

National Bank Of Commerce (#14266) noncurrent real-estate loans 0.02% of its book; National Bank Of Commerce (#14266) residential 0.04%; National Bank Of Commerce (#14266) net charge-offs on real estate 0.84%; National Bank Of Commerce (#14266) residential charge-offs 0.94%.

National Bank Of Commerce (#14266) net interest margin 4.39% against an eight-quarter National Bank Of Commerce (#14266) average of 3.99% (National Bank Of Commerce (#14266) compression -0.39 points); National Bank Of Commerce (#14266) real-estate loans 1.7% of equity; National Bank Of Commerce (#14266) non-residential real estate 94.1% of equity; National Bank Of Commerce (#14266) rate-exposure score 40/100, National Bank Of Commerce (#14266) fixed-rate trap 40/100; National Bank Of Commerce (#14266) risk type credit driven; National Bank Of Commerce (#14266) rate regime rates elevated, National Bank Of Commerce (#14266) snapshot October 20, 2026.

National Bank Of Commerce (#14266) stress score moved from 55.5 on June 22, 2026 to 51.2 on October 20, 2026; National Bank Of Commerce (#14266) ranged 51.2 to 55.5 over 117 snapshots.

National Bank Of Commerce (#14266) alerts: 12 counties; top National Bank Of Commerce (#14266) alert scores: Bagley County, WI 19 (low); Baudette County, WI 19 (low); Bemidji County, WI 19 (low); Benson County, WI 19 (low); Big Lake County, WI 19 (low).