BanksCOMMERCE BANK

COMMERCE BANK

LAREDO, TXMediumEst. March 31, 1982, midnightFDIC #23772RSSD #625159FDIC
Latest · 2025-12-31

COMMERCE BANK is an 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%. CET1 capital ratio: 31.63%, well above regulatory minimums. NPL ratio: 0.00% · Texas Ratio: 0.00%. Operates 3 domestic branches.

Assets
$737M
Deposits
$658M
Loans
$159M
Equity
$76M

Profitability

Return on Assets (ROA)1.87%
Return on Equity (ROE)18.79%
Net Interest Margin2.88%
Yield on Assets4.75%
Cost of Funds1.91%

Asset Quality

NPL Ratio0.00%
Net Charge-Off Ratio0.08%
Texas Ratio0.00%
NPA Ratio0.00%
ACL / Loans1.74%

Capital & Liquidity

CET1 Ratio31.63%
Tier 1 Capital31.63%
Total Capital Ratio32.67%
Leverage Ratio11.54%
Loan-to-Deposit24.17%

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