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Q2 2026 · read from the 30 June 2026 Call Report · United States · Great Lakes · Wisconsin, the state note

National Bank of Commerce

Superior, Wisconsin · $2.23B in assets · beside the 11 other Wisconsin banks between $1B and $3B

The filing

1.99%
ROA
2nd of 12
51.5%
Efficiency
2nd of 12
9.8%
Equity / assets
9th of 12

National Bank of Commerce is the sixth largest of the 12 Wisconsin banks nearest its size between $1B and $3B, with $2.23B in assets at 30 June 2026. Loans are 92.9% of deposits, 5th of 12 against a median of 94.6%, and equity is 9.8% of assets, 9th of 12. Loans grew +1.4% in the year, 9th of 12, and deposits grew 2.8%; the cohort's median loan growth is +4.0%.

Noncurrent loans are 0.64% of the book, 8th of 12 against a median of 0.54%; 0.51% is 30 to 89 days past due, and the allowance covers them 1.5 times. Commercial real estate is 40.9% of loans, 5th of 12 against a median of 45.7%, and 318% of capital, above the 300% screen, with construction at 81% against the 100% screen. CRE has grown +83.0% over 36 months, past the guidance's 50% prong.

Return on assets is 1.99%, 2nd of 12 against a median of 1.30%, on an efficiency ratio of 51.5%, 2nd of 12. Five years ago it was 2.36%. The question is what the concentration does under a commercial real estate stress, and how much of it is owner-occupied (owner-occupied nonresidential is 11.0% of loans).

Return on assetsWI banks $1B to $3B · 30 June 2026 · higher is stronger, listed first
median 1.30% WS Waukesha State Bank 2.37% NB National Bank of Commerce 1.99% NE National Exchange Bank & Trust 1.67% HB Horicon Bank 1.41% BF Bank Five Nine 1.32% OC One Community Bank 1.31% WB Waterstone Bank SSB 1.29% I Incrediblebank 1.06% NS North Shore Bank 1.01% TC Tri City National Bank 0.82% CN Ccfbank National Association 0.74% PB Park Bank 0.71%
Loans, year over yearWI banks $1B to $3B · 30 June 2026 · no better direction, largest first
median +4.0% OC One Community Bank +18.2% BF Bank Five Nine +7.7% WS Waukesha State Bank +7.4% NS North Shore Bank +7.1% HB Horicon Bank +6.3% I Incrediblebank +5.6% CN Ccfbank National Association +2.4% PB Park Bank +1.6% NB National Bank of Commerce +1.4% NE National Exchange Bank & Trust +1.1% TC Tri City National Bank +0.6% WB Waterstone Bank SSB +0.5%

SBA 7(a), FY2008 to FY2026

National Bank of Commerce is the 48th largest 7(a) lender into Minnesota of 444, with $41M across 98 loans, 0.4% of everything approved in the state (Old National Bank leads with $1.05B). 14 of its 30 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Minnesota, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Saint Louis, MN$11M6th of 684.6%-0.3 pts
Lake, MN$8M1st of 1543.4%quiet FY2021
Wright, MN$7M8th of 952.9%quiet FY2022
Douglas, WI$5M1st of 2119.7%+8.2 pts
Cumberland, ME$4M20th of 711.1%quiet FY2013
Oneida, WI$3M6th of 364.7%quiet FY2017
Beltrami, MN$3M6th of 273.8%quiet FY2019
Crow Wing, MN$3M16th of 561.6%+1.2 pts
Sherburne, MN$2M24th of 841.2%+0.8 pts
Milwaukee, WI$2M78th of 1440.1%quiet FY2021
Stearns, MN$1M32nd of 760.3%quiet FY2022
Washington, MN$1M53rd of 1090.3%thin
Cook, MN$984K4th of 1111.4%thin
17 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Manufacturing23$21M35.9%0.05%295th of 2,246
Wholesale trade9$9M15.8%0.04%312th of 1,651
Accommodation & food services26$7M12.5%0.01%683rd of 2,596
Retail trade17$5M8.6%0.01%733rd of 2,589
Health care & social assistance10$4M6.6%0.01%644th of 2,172
7(a) lenders into Minnesota, share of approvals since FY2008444 lenders on record; the ten largest and National Bank of Commerce
ON Old National Bank 10.7% $1.05B · 2,156 loans WF Wells Fargo Bank National Associa… 6.7% $663M · 2,451 loans UB U.S. Bank, National Association 5.7% $556M · 3,508 loans B Bankvista 4.5% $438M · 1,010 loans CF Choice Financial Group 3.6% $349M · 744 loans PB Platinum Bank 3.2% $318M · 420 loans LO Live Oak Banking Company 2.5% $247M · 190 loans sC 21st Century Bank 2.4% $238M · 699 loans FN Falcon National Bank 2.1% $211M · 546 loans SB Sunrise Banks National Association 2.1% $204M · 726 loans NB National Bank of Commerce 0.4% $41M · 98 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 5 CBLR filers; owner-occupied excluded; bold marks a screen met
National Bank of CommerceRankCohort median
Total CRE against capital, the 300% screen318%8th of 12272%
Construction against capital, the 100% screen81%9th of 1237%
Construction and land development, share of loans10.4%9th of 126.6%
Non-owner-occupied nonfarm nonresidential, share of loans21.4%7th of 1219.6%
Total CRE, the guidance definition, share of loans40.9%5th of 1245.7%
CRE growth over 36 months, the third prong+83.0%12th of 12+15.6%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
National Exchange Bank & Trust$2.89B1.7%49.4%0.37%-0.07%3.0%75.3%19.8%
One Community Bank$2.63B1.3%52.9%0.58%0.00%1.0%107.8%12.7%
North Shore Bank$2.61B1.0%69.9%0.10%0.02%0.7%95.1%15.3%
Bank Five Nine$2.53B1.3%58.6%1.91%0.03%0.6%97.9%9.6%
Waterstone Bank SSB$2.25B1.3%75.5%0.36%0.00%1.0%124.9%14.7%
National Bank of Commerce$2.23B2.0%51.5%0.64%0.05%1.0%92.9%9.8%
Incrediblebank$2.10B1.1%63.0%0.89%0.11%1.1%89.9%7.7%
Tri City National Bank$1.95B0.8%72.9%0.51%0.04%1.2%66.7%9.7%
Ccfbank National Association$1.81B0.7%60.6%2.28%0.23%1.9%87.6%12.0%
Horicon Bank$1.65B1.4%63.3%0.93%0.01%1.3%96.7%10.3%
Waukesha State Bank$1.62B2.4%55.6%0.25%0.01%0.9%94.0%10.9%
Park Bank$1.54B0.7%71.3%0.24%0.00%1.2%104.8%10.2%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
National Bank of CommerceCohort median
20212026Change20212026Change
Loans$911M$1.72B+89%$1.11B$1.65B+48%
Deposits$933M$1.85B+99%$1.29B$1.76B+37%
NPA / loans1.07%0.64%-0.43 pts0.45%0.54%+0.10 pts
Efficiency52.1%51.5%-0.6 pts57.4%61.8%+4.4 pts
ROA2.36%1.99%-0.36 pts1.36%1.30%-0.06 pts

This read was prepared for National Bank of Commerce's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on National Bank of Commerce is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort WI banks $1B to $3B
Institution www.nbcbanking.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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