🏦Bank Scorer

NATIONAL BANK OF COMMERCE

SUPERIOR, WI · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 1934FDIC #14,266
Outstanding Same

Current rating · Exam: July 2025

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Strong

ROA 1.75%

Institution Profile

FDIC BankFind

Address

1127 Tower Ave, SUPERIOR, WI

County

Douglas County

Established

February 7, 1934

Total Assets

$2.2B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

July 14, 2025

Exam Type

Intermediate Small Bank

Regulator

OCC (Office of the Comptroller of the Currency)
What is a CRA rating? →
Estimated next exam:Jul 2029(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$2.2B

Total Deposits

$1.8B

Net Loans

$1.7B

Net Income

$10M

ROA

1.75%

Above avg for Community banks. Peer avg: 0.90%

ROE

18.12%

Risk-Based Capital

11.72%

Below avg for Community banks. Regulatory min: 8%

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

ROA1.75%Peer avg: 0.90%▲ Above avg
Risk-Based Capital11.72%Peer avg: 12.91%▼ Below avg
Mortgage Denial Rate5.38%Peer avg: 9.91%▲ Above avg

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Branch Footprint

FDIC SOD 2025

Total Branches

21

Branch Deposits

$1.8B

1-Year Change

+11

5-year net change: +9 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202331684.49%5.38%
202245582.86%4.84%
20211,02981.24%7.48%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

Exam DateRatingExam Type
Jul 2025OutstandingIntermediate Small Bank
Apr 2022OutstandingIntermediate Small Bank
Apr 2019OutstandingIntermediate Small Bank

6 previous ratings locked — back to 1991

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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