2.20%
+9.6%y/y
Peer standing93rd percentile
FDIC
NETINC + ROACC
Cass Commercial Bank
Des Peres, MissouriFDIC Cert #1068
STATEEstablished 19063 branches
Holding company: CASS INFORMATION SYSTEMS INCRegulator: FED
FDIC
CERT + OFFDOMProfitability, margin & efficiency
Performance
Returns, spread economics, operating efficiency, and growth viewed against this bank's peers.
As of Q1 2026
Returns & margin
Annualized returns and the economics of earning assets and paid funding.
15.14%
+3.8%y/y
Peer standing76th percentile
FDIC
NETINC + ROE2.85%
+11.8%y/y
Peer standing95th percentile
FDIC
PTAXNETINC + ASSET4.01%
+0.6%y/y
Peer standing72nd percentile
FDIC
NIM + NIMY5.32%
−5.5%y/y
Peer standing37th percentile
FDIC
INTINCY2.46%
−15.2%y/y
Peer standing58th percentile
FDIC
EINTEXP + DEPIDOMEfficiency & growth
Operating productivity and year-over-year balance-sheet momentum.
37.03%
−3.3%y/y
Peer standing96th percentile
FDIC
NONIX + NIM + NONII + EEFFR1.70%
−1.1%y/y
Peer standing91st percentile
FDIC
NONIX + ASSET15.44%
+16.8%y/y
Percentile by value59th percentileby value
FDIC
NONII + NIM−1.05%
−532.5%y/y
Percentile by value13th percentileby value
FDIC
ASSET−2.16%
−106.9%y/y
Percentile by value10th percentileby value
FDIC
DEP−3.13%
−127.2%y/y
Percentile by value7th percentileby value
FDIC
LNLSNETHow this bank compares
Switch cohorts or expand any row to inspect the full distribution.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA2.20%93rd percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.47%Median 1.16%90th 2.03%Observations 629
ROE
FDIC
NETINC + ROE15.14%76th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 4.37%Median 11.64%90th 19.98%Observations 629
NIM
FDIC
NIM + NIMY4.01%72nd percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.81%Median 3.64%90th 4.58%Observations 630
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR37.03%96th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 45.28%Median 61.40%90th 80.08%Observations 629
Deposits YoY
FDIC
DEP−2.16%10th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −2.50%Median +4.71%90th +17.76%Observations 624
Loans YoY
FDIC
LNLSNET−3.13%7th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −1.84%Median +5.89%90th +17.13%Observations 623
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.30%67th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.06%Median 0.52%90th 1.91%Observations 623
Leverage
FDIC
RBC1AAJ14.54%90th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.85%Median 10.50%90th 14.46%Observations 630
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.46%58th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.77%Median 2.61%90th 3.65%Observations 624
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC43%5th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 88%Median 225%90th 349%Observations 464
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA2.20%87th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.68%Median 1.38%90th 2.34%Observations 198
ROE
FDIC
NETINC + ROE15.14%59th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 6.24%Median 13.82%90th 23.25%Observations 198
NIM
FDIC
NIM + NIMY4.01%50th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 3.26%Median 4.01%90th 4.90%Observations 198
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR37.03%98th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 43.04%Median 58.86%90th 76.72%Observations 198
Deposits YoY
FDIC
DEP−2.16%10th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −1.58%Median +4.12%90th +13.39%Observations 197
Loans YoY
FDIC
LNLSNET−3.13%4th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −0.75%Median +6.28%90th +19.25%Observations 195
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.30%58th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.00%Median 0.42%90th 2.31%Observations 195
Leverage
FDIC
RBC1AAJ14.54%89th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.24%Median 10.68%90th 14.69%Observations 198
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.46%50th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.69%Median 2.46%90th 3.44%Observations 197
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC43%12th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 33%Median 142%90th 319%Observations 108
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA2.20%100th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.95%Median 1.31%90th 2.13%Observations 20
ROE
FDIC
NETINC + ROE15.14%79th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 8.71%Median 13.91%90th 19.29%Observations 20
NIM
FDIC
NIM + NIMY4.01%53rd percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 3.39%Median 3.99%90th 4.55%Observations 20
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR37.03%100th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 48.52%Median 57.15%90th 66.61%Observations 20
Deposits YoY
FDIC
DEP−2.16%16th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −3.77%Median +6.87%90th +21.85%Observations 20
Loans YoY
FDIC
LNLSNET−3.13%5th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −1.28%Median +6.41%90th +20.53%Observations 20
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.30%68th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.08%Median 0.40%90th 2.45%Observations 20
Leverage
FDIC
RBC1AAJ14.54%100th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.48%Median 10.88%90th 12.49%Observations 20
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.46%68th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.78%Median 2.84%90th 3.69%Observations 20
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC43%0th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 83%Median 230%90th 353%Observations 16
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.