National Bank of Commerce
Superior, Wisconsin, Douglas County
$2.2B in total assets, the 573rd largest of 4,309 US banks and 14th of 155 headquartered in Wisconsin.
- FDIC certificate
- 14266
- Established
- 1934
- Owned by
- Natcom Bancshares,inc
- Primary regulator
- OCC
- Website
- www.nbcbanking.com
At a glance
Compared with 29 banks headquartered in Wisconsin with $1 billion to $10 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $2.2B | 62% | $1.7B | |
| Loans | $1.7B | 66% | $1.3B | |
| Deposits | $1.9B | 69% | $1.4B | |
| Return on assets | 1.98% | 97% | 1.22% | |
| Net interest margin | 4.39% | 83% | 3.63% | |
| Efficiency ratio | 50.0% | 17% | 60.3% | |
| Equity to assets | 9.85% | 31% | 10.94% | |
| Loans to deposits | 93% | 45% | 94% |
Growth
Total assets grew 13.7% a year over the last 5 years and 14.8% a year over 10 years, including 2 acquisitions in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Dec 2024 | RiverWood Bank, National Association Baxter, MN | $658M |
| Oct 2019 | Republic Bank, Inc. Duluth, MN, an affiliate under the same holding company | $424M |
| Nov 2008 | Community Bank Superior, WI, an affiliate under the same holding company | $98M |
| Jan 2003 | National Bank of Commerce in Superior Superior, WI, an affiliate under the same holding company | $231M |
| Sep 1972 | Poplar State Bank Poplar, WI | n/a |
Where they operate
21 branches in 12 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Douglas County, WI | $818M | 76.7% | 1 of 6 |
| St. Louis County, MN | $477M | 9.4% | 5 of 19 |
| Beltrami County, MN | $121M | 6.2% | 5 of 10 |
| Crow Wing County, MN | $110M | 5.3% | 8 of 15 |
| Stevens County, MN | $90M | 22.9% | 2 of 5 |
| Wright County, MN | $63M | 2.1% | 19 of 24 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 14 branches since 2016 (7 to 21, +200.0%). 0 opened, 18 acquired, 4 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 7 | |||
| 2016 | Closed Superior | 0 | 1 | −1 | 6 |
| 2019 | Acquired Republic Bank, Inc. | 6 | 0 | +6 | 12 |
| 2020 | Closed Duluth | 0 | 1 | −1 | 11 |
| 2021 | Closed Duluth | 0 | 1 | −1 | 10 |
| 2024 | Acquired RiverWood Bank, National Association | 12 | 0 | +12 | 22 |
| 2025 | Closed Duluth | 0 | 1 | −1 | 21 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Commercial real estate | 32% | 32% | |
| 1-4 family residential | 21% | 23% | |
| Business (C&I) | 18% | 12% | |
| Construction and land | 10% | 8% | |
| Multifamily | 9% | 14% | |
| Consumer | 2% | 3% | |
| Farmland | 1% | 3% | |
| Agricultural | 0% | 4% | |
| Other | 6% | 3% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 44% | 52% | |
| Time deposits | 38% | 29% | |
| Noninterest-bearing | 18% | 19% |
Brokered deposits are 15.1% of deposits (peers 6.0%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.64% | 0.34% |
| Net charge-offs, annualized | 0.05% | 0.01% |
| Reserves to loans | 0.98% | 1.07% |
| Leverage ratio | 9.33% | 11.10% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Wisconsin
Largest competitors in Douglas County, WI
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/banks/national-bank-commerce-superior-wi