Commerce Bank (Geneva, MN)
BankRegReports is independent of Commerce Bank and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Commerce Bank is an FDIC-insured commercial bank headquartered in Geneva, MN, established in 1915 (FDIC certificate 10212), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $220.0M, down 10.6% from Q2 2025, the 109th largest of 221 banks headquartered in Minnesota. Its CET1 capital ratio was 17.11% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 10212
- Headquarters
- Geneva, MN
- Established
- 1915
- Total assets, Q2 2026
- $220.0M
- Assets vs Q2 2025
- -10.6%
- CET1 ratio, Q2 2026
- 17.11%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 091912576
- Holding company
- COMMERCE BANCSHARES, INC.
- Asset rank in state
- 109th of 221 in Minnesota
Commerce Bank, based in Geneva, Minnesota, reported $220 million in assets at June 30, 2026, down 10.6% from a year earlier. It keeps 2.89 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 3.95 cents). It also pays an average of 2.93% on its deposits and borrowings, higher than about 9 in 10 banks its size (median 1.80%).
Net income for the quarter rose 29% from a year earlier, to $722,000. Over the same year, loans shrank 9.0% and deposits shrank 13.1%. Concentration is the risk to watch: it holds commercial real estate loans worth 2.7 times its capital, about double the median of 1.2 times for banks its size.
As of June 30, 2026, Commerce Bank reported a CET1 capital ratio of 17.11%, a return on assets of 1.28%, a nonperforming-loan ratio of 0.60% and a Texas ratio of 3.49%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Commerce Bank is the 109th largest of the 221 banks headquartered in Minnesota. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 3.0% to $220.0M, loans fell 1.5% and deposits fell 5.2%. Non-owner-occupied commercial real estate loans made up 33.8% of its total loans on June 30, 2026, its largest category; next came farmland and other real estate loans at 17.4%. The FDIC Summary of Deposits lists 2 offices for it, in Edina, MN and Geneva, MN; its Edina office books 85% of its branch deposits. By the capital ratios in its Q2 2026 call report, Commerce Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 101 Central Ave S, Geneva, MN 56035
- County
- Freeborn
- Metro Area
- Albert Lea, MN
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 9, Minneapolis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1915
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 11
- Domestic deposits
- $156.8M
- Allowance for credit losses
- $3.3M
- Net charge-offs (YTD)
- -$6K
- Average total assets
- $225.6M
- Average total loans
- $187.2M
- Average interest-bearing deposits
- $150.5M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 10212
- Fed RSSD
- 49054
- Website
- http://www.cbmn.bank →
- Parent Holding Company
- COMMERCE BANCSHARES, INC. (RSSD 2452630)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Commerce Bank's total assets ranged from $220.0M (Q2 2026) to $263.1M (Q3 2024), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$220.0M total assets against $246.0M; $190.9M total liabilities against $218.6M.
$184.0M net loans and leases against $202.4M; $156.8M total deposits against $180.5M.
$24.5M securities against $31.8M; $7.7M cash and balances due against $7.7M.
$3.0M total interest income against $3.3M; $1.4M total interest expense against $1.6M.
$1.6M net interest income against $1.7M.
$13K total noninterest income against $12K; $841K total noninterest expense against $1.0M.
$0 provision for credit losses against $0.
$722K net income against $559K.
1.28% return on assets against 0.91%; 2.89% net interest margin against 2.70%.
17.11% CET1 capital ratio against 14.88%; 13.87% tier 1 leverage ratio against 12.32%.
Inside the full Commerce Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Commerce Bank rankings
Its closest position to the top of a national ranking is 862 of 3,606, for efficiency ratio; its furthest is 2,850 of 4,196, for total assets.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.85% (Q3 2024) to 1.30% (Q4 2025) and its net interest margin ran from 2.56% (Q1 2025) to 2.93% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 17.11% | 1.28% | 0.60% | 3.49% | 2.89% |
| Q1 2026 | 16.46% | 1.29% | 3.10% | 18.40% | 2.87% |
| Q4 2025 | 15.96% | 1.30% | 0.80% | 4.90% | 2.93% |
| Q3 2025 | 15.37% | 0.99% | 1.12% | 7.19% | 2.62% |
| Q2 2025 | 14.88% | 0.91% | 0.78% | 5.20% | 2.70% |
| Q1 2025 | 14.95% | 0.86% | 0.18% | 1.25% | 2.56% |
| Q4 2024 | 14.62% | 0.98% | 0.04% | 0.26% | 2.76% |
| Q3 2024 | 13.76% | 0.85% | 0.73% | 5.30% | 2.62% |
Swipe the table sideways to see every column.
Branch Network
View all 2 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Edina Branch | Edina , MN | 55435 | $134.0M |
| Commerce Bank (main office) | Geneva , MN | 56035 | $22.8M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in MN, rank 153 of 277 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $555K approved, $555K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2012 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
Add this badge to your website
Free to use. It shows Commerce Bank’s latest filed figures and updates each quarter.
Similar banks
Compare Commerce Bank with peers
Frequently asked about Commerce Bank
What are Commerce Bank's total assets?
As of the Q2 2026 filing, Commerce Bank reported total assets of $220.0 million in its FFIEC call report.
Where is Commerce Bank headquartered?
It is headquartered in Geneva, MN, United States.
When was Commerce Bank founded?
It was established in 1915, per the FDIC institution directory.
Is Commerce Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #10212). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Commerce Bank?
Commerce Bank's primary federal regulator is the FDIC.
What is Commerce Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 17.11% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Commerce Bank operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Commerce Bank's Texas Ratio?
Its Texas Ratio is 3.49% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
Go deeper on Commerce Bank.
Get an email when Commerce Bank files its next call report, and benchmark it against any peer you choose.
Unlock Commerce Bank, freeFree account