COMMERCEONE BANK

BIRMINGHAM, AL | Medium | Est. June 4, 2018, midnight | FDIC #59114 | RSSD #5227101 | FDIC
Latest Report: 2025-12-31

COMMERCEONE BANK is amn medium FDIC-insured commercial bank headquartered in BIRMINGHAM, AL, established in June 4, 2018, midnight. As of 2025-12-31, the bank reported total assets of $840M and total deposits of $720M. Profitability stands at 1.63% ROA and 16.09% ROE, with a net interest margin of 4.30%. The bank's CET1 capital ratio is 11.70%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #59114.

Assets

$840M

Deposits

$720M

Loans

$712M

Equity

$86M

Profitability

Return on Assets (ROA) 1.63%
Return on Equity (ROE) 16.09%
Net Interest Margin (NIM) 4.30%
Yield on Assets 6.72%
Cost of Funds 2.49%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio -0.02%
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 1.20%

Capital & Liquidity

CET1 Ratio 11.70%
Tier 1 Capital 11.70%
Total Capital Ratio 12.89%
Leverage Ratio 10.92%
Loan-to-Deposit 98.86%

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