Commerce Bank & Trust: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
Retained earnings climbed 8.2% in Q2 2026, from $5.6M to $6.1M. It was the largest change from Q1 2026 among the key lines here. Commerce Bank & Trust ranks 29th of 56 Florida banks on CET1 ratio, in the lower half at 14.12% (Q2 2026). Commerce Bank & Trust reported 14.12% on CET1 ratio for Q2 2026, 0.96 points below the 15.08% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 14.12% |
| Tier 1 risk-based capital ratio | 14.12% |
| Total risk-based capital ratio | 15.38% |
| Tier 1 leverage ratio | 10.46% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $19.1M |
| Tier 1 capital | $19.1M |
| Total risk-based capital | $20.8M |
| Total equity capital | $14.8M |
| Risk-weighted assets | $135.1M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 7.48% |
| Tangible equity to tangible assets | 7.48% |
| Equity capital to average assets | 8.12% |
| Internal capital growth rate | 13.34% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $3.5M |
| Common stock surplus | $9.5M |
| Retained earnings | $6.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$4.3M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 12.68% | 12.68% | 13.93% | 9.12% | $120.7M |
| Q4 2023 | 11.93% | 11.93% | 13.18% | 9.23% | $127.3M |
| Q1 2024 | 12.47% | 12.47% | 13.72% | 8.98% | $123.1M |
| Q2 2024 | 11.79% | 11.79% | 13.04% | 8.68% | $131.7M |
| Q3 2024 | 11.75% | 11.75% | 13.01% | 9.09% | $134.4M |
| Q4 2024 | 12.23% | 12.23% | 13.48% | 9.15% | $131.6M |
| Q1 2025 | 12.76% | 12.76% | 14.01% | 9.98% | $136.6M |
| Q2 2025 | 12.94% | 12.94% | 14.19% | 10.26% | $137.5M |
| Q3 2025 | 13.29% | 13.29% | 14.54% | 10.41% | $135.9M |
| Q4 2025 | 13.75% | 13.75% | 15.01% | 10.48% | $132.5M |
| Q1 2026 | 13.58% | 13.58% | 14.83% | 10.17% | $137.1M |
| Q2 2026 | 14.12% | 14.12% | 15.38% | 10.46% | $135.1M |
Commerce Bank & Trust regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Commerce Bank & Trust, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Commerce Bank & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57429) · FFIEC NIC profile (RSSD 3148613)