COMMERCIAL BANK

SAINT LOUIS, MO | Small | Est. Dec. 21, 1988, midnight | FDIC #27409 | RSSD #1225752 | FDIC
Latest Report: 2025-12-31

COMMERCIAL BANK is asn small FDIC-insured commercial bank headquartered in SAINT LOUIS, MO, established in Dec. 21, 1988, midnight. As of 2025-12-31, the bank reported total assets of $278M and total deposits of $243M. Profitability stands at 0.45% ROA and 8.40% ROE, with a net interest margin of 3.71%. The bank's CET1 capital ratio is 10.83%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.98% and a Texas Ratio of 10.59%. FDIC Certificate #27409.

Assets

$278M

Deposits

$243M

Loans

$188M

Equity

$15M

Profitability

Return on Assets (ROA) 0.45%
Return on Equity (ROE) 8.40%
Net Interest Margin (NIM) 3.71%
Yield on Assets 5.33%
Cost of Funds 1.59%

Asset Quality

NPL Ratio 0.98%
Net Charge-Off Ratio 0.00%
Texas Ratio 10.59%
NPA Ratio 0.66%
ACL / Loans 1.20%

Capital & Liquidity

CET1 Ratio 10.83%
Tier 1 Capital 10.83%
Total Capital Ratio 11.94%
Leverage Ratio 7.89%
Loan-to-Deposit 77.35%

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