Commencement Bank quarterly financials
As reported to the FDIC. Dollar values are period-end balances. Net income is for the single quarter, derived from the FDIC's year-to-date figures by subtracting the prior quarter's report. Ratios (ROA, ROE, NIM) are FDIC-computed annualized year-to-date values.
| Quarter | Assets | Deposits | Net loans | Equity | Net income | ROA | ROE | NIM | Noncurrent |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $697M | $624M | $533M | $61M | $2M | 0.96% | 10.96% | 4.28% | 0.09% |
| Q4 2025 | $683M | $610M | $518M | $60M | $2M | 1.01% | 12.17% | 4.16% | 0.25% |
| Q3 2025 | $676M | $606M | $506M | $57M | $2M | 0.94% | 11.55% | 4.07% | 0.00% |
| Q2 2025 | $681M | $600M | $506M | $54M | $1M | 0.85% | 10.63% | 3.90% | 0.00% |
| Q1 2025 | $644M | $580M | $468M | $53M | $1M | 0.82% | 10.17% | 3.84% | 0.02% |
| Q4 2024 | $650M | $592M | $462M | $51M | $505K | 0.49% | 5.96% | 3.44% | 0.00% |
| Q3 2024 | $627M | $568M | $460M | $52M | $966K | 0.55% | 6.64% | 3.32% | 0.01% |
| Q2 2024 | $597M | $535M | $459M | $49M | $779K | 0.52% | 6.19% | 3.30% | 0.11% |
| Q1 2024 | $590M | $536M | $442M | $49M | $748K | 0.51% | 6.03% | 3.22% | 0.11% |
| Q4 2023 | $586M | $531M | $437M | $50M | $849K | 0.52% | 6.40% | 3.35% | 0.13% |
| Q3 2023 | $579M | $507M | $432M | $47M | $765K | 0.51% | 6.24% | 3.32% | 0.52% |
| Q2 2023 | $615M | $562M | $430M | $48M | $724K | 0.50% | 6.14% | 3.24% | 0.60% |
Transcribed from FDIC BankFind Suite quarterly financial data (Call Report-derived). Income in Call Reports is filed year-to-date; per-quarter net income shown here is the difference between consecutive reports within the same year. NIM = net interest margin; “Noncurrent” = noncurrent loans as a share of total loans. These figures describe reported financials only and are not a safety rating or a prediction about the institution.