COMMERCE BANK TEXAS

STOCKDALE, TX | Micro | Est. Feb. 1, 1932, midnight | FDIC #15346 | RSSD #174367 | FDIC
Latest Report: 2025-12-31

COMMERCE BANK TEXAS is amn micro FDIC-insured commercial bank headquartered in STOCKDALE, TX, established in Feb. 1, 1932, midnight. As of 2025-12-31, the bank reported total assets of $61M and total deposits of $52M. Profitability stands at 0.13% ROA and 0.95% ROE, with a net interest margin of 2.92%. The bank's CET1 capital ratio is 5.86%, below regulatory well-capitalized thresholds. Asset quality metrics show a non-performing loan ratio of 2.51% and a Texas Ratio of 13.64%. FDIC Certificate #15346.

Assets

$61M

Deposits

$52M

Loans

$22M

Equity

$8M

Profitability

Return on Assets (ROA) 0.13%
Return on Equity (ROE) 0.95%
Net Interest Margin (NIM) 2.92%
Yield on Assets 4.29%
Cost of Funds 2.13%

Asset Quality

NPL Ratio 2.51%
Net Charge-Off Ratio --
Texas Ratio 13.64%
NPA Ratio 1.92%
ACL / Loans 0.89%

Capital & Liquidity

CET1 Ratio 5.86%
Tier 1 Capital 5.86%
Total Capital Ratio 6.15%
Leverage Ratio 12.68%
Loan-to-Deposit 41.98%

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