Commerce Bank & Trust
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Data as of · sourced from FFIEC call reports. How we update
Commerce Bank & Trust is an FDIC-insured commercial bank headquartered in Winter Park, FL, established in 2003 (FDIC certificate 57429), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $197.9M, up 17.3% from Q2 2025, the 68th largest of 81 banks headquartered in Florida. Its CET1 capital ratio was 14.12% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 57429
- Headquarters
- Winter Park, FL
- Established
- 2003
- Total assets, Q2 2026
- $197.9M
- Assets vs Q2 2025
- +17.3%
- CET1 ratio, Q2 2026
- 14.12%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 063115408
- Holding company
- COMMERCE NATIONAL BANKSHARES OF FLORIDA, INC.
- Asset rank in state
- 68th of 81 in Florida
Problem loans are rising at Commerce Bank & Trust. It reported $198 million in assets at June 30, 2026, up 17.3% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 3.44% of loans from 1.84% a year earlier. It carries problem assets equal to 26.5% of the capital and reserves that would absorb them, 10.0 times the median of 2.6% for the 2,660 banks with $100 million to $1 billion in assets. It also grew deposits 18.2% over the year, 4.5 times the median of 4.0% for banks its size.
Net income for the quarter rose 30% from a year earlier, to $464,000. Over the same year, loans grew 2.0% and deposits grew 18.2%.
As of June 30, 2026, Commerce Bank & Trust reported a CET1 capital ratio of 14.12%, a return on assets of 1.02%, a nonperforming-loan ratio of 3.44% and a Texas ratio of 26.47%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Commerce Bank & Trust is the 68th largest of the 81 banks headquartered in Florida. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 10.4% to $197.9M, loans fell 0.7% and deposits rose 10.2%. Owner-occupied commercial real estate loans made up 32.8% of its total loans on June 30, 2026, its largest category; next came 1-4 family residential loans at 28.8%. The FDIC Summary of Deposits lists a single office for it, in Winter Park, FL. By the capital ratios in its Q2 2026 call report, Commerce Bank & Trust meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 1201 S Orlando Ave, Winter Park, FL 32789
- County
- Orange
- Metro Area
- Orlando-Kissimmee-Sanford, FL
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- February 3, 2003
- Former names
- Commerce National Bank & Trust (2006-2021)
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 19
- Domestic deposits
- $168.8M
- Allowance for credit losses
- $2.1M
- Net charge-offs (YTD)
- $0
- Average total assets
- $182.3M
- Average total loans
- $131.0M
- Average interest-bearing deposits
- $110.8M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- February 3, 2003
- FDIC Cert
- 57429
- Fed RSSD
- 3148613
- Website
- www.cbt-fl.com →
- Parent Holding Company
- COMMERCE NATIONAL BANKSHARES OF FLORIDA, INC. (RSSD 3148622)
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 & Trust's total assets ranged from $167.2M (Q3 2023) to $197.9M (Q2 2026), 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
$197.9M total assets against $168.7M; $183.1M total liabilities against $156.4M.
$127.8M net loans and leases against $125.5M; $168.8M total deposits against $142.8M.
$22.7M securities against $24.2M; $39.2M cash and balances due against $10.4M.
$2.3M total interest income against $2.2M; $756K total interest expense against $712K.
$1.5M net interest income against $1.5M.
$71K total noninterest income against $72K; $1.1M total noninterest expense against $1.1M.
$12K provision for credit losses against $25K.
$464K net income against $357K.
1.02% return on assets against 0.82%; 3.50% net interest margin against 3.55%.
14.12% CET1 capital ratio against 12.94%; 10.46% tier 1 leverage ratio against 10.26%.
Inside the full Commerce Bank & Trust 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.
Nonperforming loans (nonaccrual loans plus loans 90 or more days past due) exceed 3% of total loans. BankRegReports band at 3% of total loans.
Commerce Bank & Trust rankings
Its closest position to the top of a national ranking is 84 of 3,640, for Texas Ratio; its furthest is 2,658 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.36% (Q4 2025) to 1.02% (Q2 2026) and its net interest margin ran from 3.05% (Q3 2024) to 3.55% (Q2 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.12% | 1.02% | 3.44% | 26.47% | 3.50% |
| Q1 2026 | 13.58% | 0.87% | 2.19% | 17.92% | 3.34% |
| Q4 2025 | 13.75% | 0.36% | 2.31% | 18.07% | 3.40% |
| Q3 2025 | 13.29% | 0.61% | 1.99% | 16.72% | 3.31% |
| Q2 2025 | 12.94% | 0.82% | 1.84% | 16.58% | 3.55% |
| Q1 2025 | 12.76% | 0.81% | 0.00% | 0.00% | 3.40% |
| Q4 2024 | 12.23% | 0.64% | 0.00% | 0.00% | 3.26% |
| Q3 2024 | 11.75% | 0.79% | 0.00% | 0.00% | 3.05% |
Swipe the table sideways to see every column.
Branch Network
View the branch → 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 & Trust (main office) | Winter Park , FL | 32789 | $168.8M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in FL, rank 132 of 186 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $160K approved, $160K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2009 (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
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Frequently asked about Commerce Bank & Trust
What are Commerce Bank & Trust's total assets?
As of the Q2 2026 filing, Commerce Bank & Trust reported total assets of $197.9 million in its FFIEC call report.
Where is Commerce Bank & Trust headquartered?
It is headquartered in Winter Park, FL, United States.
When was Commerce Bank & Trust founded?
It was established in 2003, per the FDIC institution directory.
Is Commerce Bank & Trust FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #57429). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Commerce Bank & Trust?
Commerce Bank & Trust's primary federal regulator is the Federal Reserve.
What is Commerce Bank & Trust's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 14.12% 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 & Trust operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Commerce Bank & Trust's Texas Ratio?
Its Texas Ratio is 26.47% 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.
What was Commerce Bank & Trust previously called?
The charter now named Commerce Bank & Trust has also operated as Commerce National Bank & Trust (2006-2021), per FDIC structure-change records.
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