Commerce Bank Texas
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Data as of · sourced from FFIEC call reports. How we update
Commerce Bank Texas is an FDIC-insured commercial bank headquartered in Stockdale, TX, established in 1932 (FDIC certificate 15346), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $60.6M, down 3.9% from Q2 2025, the 330th largest of 346 banks headquartered in Texas. It reports no CET1 ratio; its Tier 1 leverage ratio was 12.68% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 15346
- Headquarters
- Stockdale, TX
- Established
- 1932
- Total assets, Q2 2026
- $60.6M
- Assets vs Q2 2025
- -3.9%
- Tier 1 leverage ratio, Q2 2026
- 12.68%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 114921622
- Holding company
- SECURITY STATE BANCSHARES, INC.
- Asset rank in state
- 330th of 346 in Texas
Problem loans are rising at Commerce Bank Texas. It reported $61 million in assets at June 30, 2026, down 3.9% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 2.64% of loans from 1.50% a year earlier. It spends about 108 cents to bring in each dollar of revenue, higher than about 9 in 10 of the 583 banks with less than $100 million in assets (median 69 cents). It also carries problem assets equal to 21.3% of the capital and reserves that would absorb them, 15.4 times the median of 1.4% for banks its size.
It lost $29,000 in the quarter. Paper losses on its bond portfolio are shrinking: unrealized losses of $3.3 million equal 45% of Tier 1 capital, down from 50% a year earlier. Profitability lags: it is losing 1.4% a year on shareholders' equity, lower than about three-quarters of banks its size (median 8.6%).
As of June 30, 2026, Commerce Bank Texas reported a return on assets of -0.19%, a nonperforming-loan ratio of 2.64% and a Texas ratio of 21.27%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Commerce Bank Texas is the 330th largest of the 346 banks headquartered in Texas. From Q1 2026 to Q2 2026, its total assets rose 0.1% to $60.6M, loans rose 6.3% and deposits rose 0.2%. 1-4 family residential loans made up 30.3% of its total loans on June 30, 2026, its largest category; next came non-owner-occupied commercial real estate loans at 19.5%. The FDIC Summary of Deposits lists 2 offices for it, in Stockdale, TX and San Antonio, TX; its Stockdale office books 80% of its branch deposits. Judged on its Q2 2026 call report, Commerce Bank Texas meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 112 Fordtran St, Stockdale, TX 78160
- County
- Wilson
- Metro Area
- San Antonio-New Braunfels, TX
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- February 1, 1932
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 8
- Domestic deposits
- $51.9M
- Allowance for credit losses
- $197K
- Net charge-offs (YTD)
- $0
- Average total assets
- $60.7M
- Average total loans
- $22.9M
- Average interest-bearing deposits
- $36.6M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 31, 1936
- FDIC Cert
- 15346
- Fed RSSD
- 174367
- Website
- www.commercebanktx.com →
- Parent Holding Company
- SECURITY STATE BANCSHARES, INC. (RSSD 1103805)
- Ultimate Parent
- COMMERCE FINANCIAL CORPORATION (RSSD 3681905)
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, Commerce Bank Texas reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Commerce Bank Texas's total assets ranged from $58.5M (Q1 2025) to $66.9M (Q3 2024), and it earned a profit in 9 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$60.6M total assets against $63.1M; $52.3M total liabilities against $55.0M.
$23.6M net loans and leases against $22.3M; $51.9M total deposits against $54.3M.
$26.3M securities against $26.1M; $5.5M cash and balances due against $9.3M.
$604K total interest income against $627K; $190K total interest expense against $205K.
$414K net interest income against $422K.
$21K total noninterest income against $229K; $474K total noninterest expense against $448K.
$0 provision for credit losses against $0.
-$29K net income against $163K.
-0.19% return on assets against 1.09%; 2.88% net interest margin against 2.95%.
12.68% tier 1 leverage ratio against 13.00%.
Inside the full Commerce Bank Texas 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.
Held-to-maturity securities carry unrealized losses worth 10–25% of book equity. Carried at amortized cost, they do not reduce reported capital, but they shrink the bank's true mark-to-market cushion if the securities ever have to be sold. BankRegReports analysis, HTM marks aren't a reported regulatory metric.
Commerce Bank Texas rankings
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -0.19% (Q2 2026) to 1.09% (Q2 2025) and its net interest margin ran from 2.74% (Q1 2026) to 2.95% (Q2 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.68% | -0.19% | 2.64% | 21.27% | 2.88% |
| Q1 2026 | 12.82% | -0.17% | 2.80% | 21.09% | 2.74% |
| Q4 2025 | 12.68% | 0.13% | 3.54% | 23.17% | 2.88% |
| Q3 2025 | 12.58% | -0.08% | 1.38% | 16.02% | 2.75% |
| Q2 2025 | 13.00% | 1.09% | 1.50% | 16.80% | 2.95% |
| Q1 2025 | 12.91% | 0.28% | 0.00% | 0.00% | 2.81% |
| Q4 2024 | 11.64% | 0.12% | 0.00% | 0.00% | 2.89% |
| Q3 2024 | 11.40% | 0.11% | 0.00% | 0.00% | 2.75% |
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 |
|---|---|---|---|
| Commerce Bank Texas (main office) | Stockdale , TX | 78160 | $41.3M |
| San Antonio Branch | San Antonio , TX | 78232 | $10.6M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in TX, rank 410 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Commerce Bank Texas
What are Commerce Bank Texas's total assets?
As of the Q2 2026 filing, Commerce Bank Texas reported total assets of $60.6 million in its FFIEC call report.
Where is Commerce Bank Texas headquartered?
It is headquartered in Stockdale, TX, United States.
When was Commerce Bank Texas founded?
It was established in 1932, per the FDIC institution directory.
Is Commerce Bank Texas FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #15346). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Commerce Bank Texas?
Commerce Bank Texas's primary federal regulator is the FDIC.
How many branches does Commerce Bank Texas 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 Texas's Texas Ratio?
Its Texas Ratio is 21.27% 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.
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