COMMERCE BANK

LAREDO, TX | Medium | Est. March 31, 1982, midnight | FDIC #23772 | RSSD #625159 | FDIC
Latest Report: 2025-12-31

COMMERCE BANK is amn medium FDIC-insured commercial bank headquartered in LAREDO, TX, established in March 31, 1982, midnight. As of 2025-12-31, the bank reported total assets of $737M and total deposits of $658M. Profitability stands at 1.87% ROA and 18.79% ROE, with a net interest margin of 2.88%. The bank's CET1 capital ratio is 31.63%, 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 #23772.

Assets

$737M

Deposits

$658M

Loans

$159M

Equity

$76M

Profitability

Return on Assets (ROA) 1.87%
Return on Equity (ROE) 18.79%
Net Interest Margin (NIM) 2.88%
Yield on Assets 4.75%
Cost of Funds 1.91%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio 0.08%
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 1.74%

Capital & Liquidity

CET1 Ratio 31.63%
Tier 1 Capital 31.63%
Total Capital Ratio 32.67%
Leverage Ratio 11.54%
Loan-to-Deposit 24.17%

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