COMMERCE BANK & TRUST

WINTER PARK, FL | Small | Est. Feb. 3, 2003, midnight | FDIC #57429 | RSSD #3148613 | FED
Latest Report: 2025-12-31

COMMERCE BANK & TRUST is asn small FDIC-insured commercial bank headquartered in WINTER PARK, FL, established in Feb. 3, 2003, midnight. As of 2025-12-31, the bank reported total assets of $189M and total deposits of $164M. Profitability stands at 0.34% ROA and 4.65% ROE, with a net interest margin of 3.32%. The bank's CET1 capital ratio is 13.75%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 2.31% and a Texas Ratio of 18.07%. FDIC Certificate #57429.

Assets

$189M

Deposits

$164M

Loans

$124M

Equity

$14M

Profitability

Return on Assets (ROA) 0.34%
Return on Equity (ROE) 4.65%
Net Interest Margin (NIM) 3.32%
Yield on Assets 5.16%
Cost of Funds 1.91%

Asset Quality

NPL Ratio 2.31%
Net Charge-Off Ratio 0.01%
Texas Ratio 18.07%
NPA Ratio 1.52%
ACL / Loans 1.65%

Capital & Liquidity

CET1 Ratio 13.75%
Tier 1 Capital 13.75%
Total Capital Ratio 15.01%
Leverage Ratio 10.48%
Loan-to-Deposit 75.70%

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