COMMERCE BANK

GENEVA, MN | Small | Est. Jan. 1, 1915, midnight | FDIC #10212 | RSSD #49054 | FDIC
Latest Report: 2025-12-31

COMMERCE BANK is asn small FDIC-insured commercial bank headquartered in GENEVA, MN, established in Jan. 1, 1915, midnight. As of 2025-12-31, the bank reported total assets of $230M and total deposits of $165M. Profitability stands at 1.32% ROA and 10.92% ROE, with a net interest margin of 3.23%. The bank's CET1 capital ratio is 15.96%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.59% and a Texas Ratio of 3.63%. FDIC Certificate #10212.

Assets

$230M

Deposits

$165M

Loans

$196M

Equity

$29M

Profitability

Return on Assets (ROA) 1.32%
Return on Equity (ROE) 10.92%
Net Interest Margin (NIM) 3.23%
Yield on Assets 6.17%
Cost of Funds 3.10%

Asset Quality

NPL Ratio 0.59%
Net Charge-Off Ratio -0.01%
Texas Ratio 3.63%
NPA Ratio 0.51%
ACL / Loans 1.70%

Capital & Liquidity

CET1 Ratio 15.96%
Tier 1 Capital 15.96%
Total Capital Ratio 17.22%
Leverage Ratio 12.89%
Loan-to-Deposit 118.79%

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