TellerScore

National Bank of Commerce (FDIC certificate #14266) is based in Superior, Wisconsin. Its Q2 2026 call report shows $2.2B in total assets and $1.9B in deposits and 21 offices across 2 states.

National Bank of Commerce has a TellerScore of 70 out of 100 (strong) based on Q2 2026 data — higher than 58% of its 897 banks with $1 billion – $10 billion. Among 154 banks headquartered in Wisconsin, it ranks 87th. Earnings contributes the most (100/100, 2.00%); capital cushion contributes the least (43/100, 9.33%).

TellerScore · Q2 2026

Scorecard

Capital cushion43/100
Tier 1 leverage ratio: 9.33%
Loan quality79/100
Noncurrent loans ÷ total loans: 0.64%
Earnings100/100
Return on assets (annualized): 2.00%
Funding & liquidity53/100
Loans ÷ deposits and uninsured-deposit share: 92.0% · 29.1% uninsured
Problem-loan coverage91/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 4.74%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 4 points (66 → 70), mostly because the earnings component improved by 10 points.

TellerScore
646770Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202468
Q3 202468
Q4 202467
Q1 202565
Q2 202566
Q3 202564
Q4 202569
Q1 202667
Q2 202670
Tier 1 leverage ratio
5.00%7.84%10.67%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202410.56%
Q3 202410.21%
Q4 202410.67%
Q1 20258.59%
Q2 20258.79%
Q3 20258.61%
Q4 20258.83%
Q1 20269.05%
Q2 20269.33%
Noncurrent loans
0.47%0.66%0.84%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.80%
Q3 20240.63%
Q4 20240.63%
Q1 20250.63%
Q2 20250.63%
Q3 20250.84%
Q4 20250.47%
Q1 20260.58%
Q2 20260.64%
Return on assets
1.07%1.53%2.00%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.45%
Q3 20241.42%
Q4 20241.07%
Q1 20251.63%
Q2 20251.74%
Q3 20251.80%
Q4 20251.85%
Q1 20261.75%
Q2 20262.00%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202670$2.2B9.33%0.64%2.00%92.0%
Q1 202667$2.2B9.05%0.58%1.75%90.7%
Q4 202569$2.2B8.83%0.47%1.85%89.3%
Q3 202564$2.2B8.61%0.84%1.80%87.9%
Q2 202566$2.1B8.79%0.63%1.74%93.2%
Q1 202565$2.1B8.59%0.63%1.63%90.6%
Q4 202467$2.1B10.67%0.63%1.07%88.0%
Q3 202468$1.5B10.21%0.63%1.42%87.4%
Q2 202468$1.4B10.56%0.80%1.45%90.8%

897 peers · $1 billion – $10 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio9.33%
19th
Total risk-based capital12.03%
32nd
Problem loans0.64%
41st
Net charge-offs0.05%
42nd
Return on assets2.00%
88th
Net interest margin4.39%
84th
Efficiency ratio50.0%
76th
Loans to deposits92.0%
34th
Uninsured deposits29.1%
56th
Loan-loss reserves0.98%
28th
Texas ratio4.7%
40th

Similar-size banks in Wisconsin

InstitutionScoreAssetsCapitalProblem loansCompare
WaterStone Bank, SSBBank Wauwatosa, WI81 out of 100, Strong$2.3B15.4%0.36%vs
IncredibleBankBank Wausau, WI57 out of 100, Moderate$2.1B8.3%0.89%vs
Tri City National BankBank Oak Creek, WI71 out of 100, Strong$2.0B11.1%0.51%vs
Bank Five NineBank Oconomowoc, WI54 out of 100, Below average$2.5B9.8%1.91%vs
North Shore BankBank Brookfield, WI84 out of 100, Strong$2.6B14.4%0.10%vs
One Community BankBank Oregon, WI74 out of 100, Strong$2.6B12.8%0.58%vs

Deposit insurance

Is my money safe at National Bank of Commerce?

Yes. National Bank of Commerce is an FDIC-insured institution (FDIC certificate #14266). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 29.1% of deposits ($538.5M) are above the $250,000 FDIC insurance limit, close to the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.33%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 12.03% (benchmark: 10%).

Check how much of your own balance is covered

21 locations

Branches

National Bank of Commerce lists 20 offices in 17 cities across 2 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, National Bank of Commerce reported 586 home-loan applications under HMDA (LEI 549300YSSK1TDPTWQ036): 502 originated ($222,660,000 total), 26 denied, and 45 withdrawn or closed by the applicant. Its denial rate on decided applications was 4.8%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
National Bank of Commerce
Former names
National Bank of Commerce in Superior; National Bank of Commerce in Duluth; The Union National Bank of Superior
Type
National bank
FDIC certificate #
14266
RSSD ID
775456
Primary regulator
OCC
Holding company
Natcom Bancshares,inc
Established
February 7, 1934
Headquarters
1127 Tower Ave, Superior, WI 54880
Employees
279

Quick answers

National Bank of Commerce: common questions

Is National Bank of Commerce FDIC insured?

Yes. National Bank of Commerce is an FDIC-insured institution (FDIC certificate #14266). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is National Bank of Commerce's TellerScore?

70 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has National Bank of Commerce ever failed?

There is no failure record for FDIC certificate #14266 in the FDIC failed bank list.

How many branches does National Bank of Commerce have?

21 offices as of the latest FDIC data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Superior

InstitutionScoreAssetsCapitalProblem loansCompare
Duluth Police Department Employees Credit UnionCredit union Duluth, MN91 out of 100, Very strong$7.8M22.8%0.41%vs
Indianhead Credit UnionCredit union Spooner, WI86 out of 100, Very strong$101.2M15.0%0.78%vs
Centricity Credit UnionCredit union Hermantown, MN85 out of 100, Very strong$340.5M14.0%0.79%vs
Superior Municipal Employees Credit UnionCredit union Superior, WI79 out of 100, Strong$3.0M16.5%0.00%vs
Superior Savings BankBank Superior, WI74 out of 100, Strong$98.8M16.3%1.15%vs
North Shore Federal Credit UnionCredit union Silver Bay, MN74 out of 100, Strong$284.8M12.8%0.33%vs