Bank Safety Analysis
Is Commerce Bank & Trust Safe? Winter Park, Florida
Based on its Q2 2026 call report, Commerce Bank & Trust meets every capital ratio test for well capitalized, its Texas ratio is 26.47%, and its deposits are FDIC insured up to $250,000 per depositor.
BankRegReports is independent of Commerce Bank & Trust and never asks for online banking logins or passwords.
Short answer
On its Q2 2026 call report, Commerce Bank & Trust's CET1 ratio is 14.12%, above the 6.5% well-capitalized threshold.
- CET1 ratio (Q2 2026): 14.12%
- Tier 1 leverage ratio (Q2 2026): 10.46%
- Texas ratio (Q2 2026): 26.47%
- Noncurrent loans ratio (Q2 2026): 3.44%
Commerce Bank & Trust is an FDIC-insured commercial bank (FDIC Certificate #57429). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Context: largest US bank failures · what these ratios mean · how we score.
Commerce Bank & Trust is outside the pass range on 1 of 5 safety dimensions: asset quality. Capital and leverage are above their regulatory minimums. The failed band is a BankRegReports band, not a supervisory threshold. 1 risk screen is flagged: non-performing loan ratio. Analysis based on the Q2 2026 call report.
The standout move of Q2 2026 was in nonperforming loan ratio (nonaccrual plus 90+ days past due): 1.25 percentage points higher than in Q1 2026, at 3.44%. Within Florida, Commerce Bank & Trust is 29th of 56 on CET1 ratio, 14.12% as of 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. From Q3 2023 to Q2 2026, Commerce Bank & Trust's CET1 ratio ranged between 11.75% (Q3 2024) and 14.12% (Q2 2026) and its Texas ratio ranged between 0.00% (Q1 2025) and 26.47% (Q2 2026). Between Q2 2025 and Q2 2026, Commerce Bank & Trust's CET1 ratio rose from 12.94% to 14.12%, nonperforming loan ratio (nonaccrual plus 90+ days past due) rose from 1.84% to 3.44%, Texas ratio rose from 16.58% to 26.47% and return on assets rose from 0.82% to 1.02%.
Data as of · sourced from FFIEC call reports. How we update
An exploratory screening score that ranks relative failure risk across filers. It is not a calibrated probability, not a credit rating, and not a CAMELS rating. Held-out test AUC 0.910 for the 1-year horizon (v20261026_025757). Trained on credit-driven community-bank failures, it carries little signal for interest-rate or deposit-flight risk. The score covers every FDIC-insured bank in the latest run, but the model was trained on community and regional banks and its accuracy above roughly $10 billion in assets is not established, so a low score is not evidence of safety. The risk tier comes from the composite score; the 12-month figure rounds to zero for this bank, so it is not shown beside a tier above Low. See the methodology. This is not investment advice or a credit rating.
Scorecard by dimension
Peer cohort: $100M to $1B (2,757 banks) · Industry averages as of Q2 2026.
CET1 of 14.12% sits comfortably above the 6.5% well-capitalized threshold under Prompt Corrective Action and the 7.0% level required once the capital conservation buffer is included.
Tier 1 leverage of 10.46% is above the 5% well-capitalized threshold.
Nonperforming loans at 3.44% are at a stress-band level above 3%.
Texas Ratio of 26.5% is well below the 100% historical failure threshold.
Efficiency ratio of 68.9% is inside the 75% pass line, though above the 65% level typical of lower-cost banks.
Risk screens
Latest filing (Q2 2026), passing screens included.
| Screen | Value | Trigger | Result |
|---|---|---|---|
| CET1 capital ratio supervisory threshold | 14.13% | Flags below 7% | Within range |
| Texas ratio BankRegReports band | 26.47% | Watch at 50%, concern at 100% | Within range |
| Non-performing loan ratio BankRegReports band | 3.44% | Flags at 3% or above | Flagged |
| Uninsured deposit share BankRegReports band | — | Watch at 50%, concern at 70% | Not reported |
| Loan-to-deposit ratio BankRegReports band | 76.95% | Flags at 100% or above | Within range |
| Commercial real estate to capital supervisory threshold | 159.65% | Watch at 200%, concern at 300% | Within range |
| Held-to-maturity unrealized loss to equity BankRegReports band | 0.00% | Watch at 10%, concern at 25% | Within range |
Capital ratio: last 12 quarters
| Quarter | CET1 (%) |
|---|---|
| Q2 2026 | 14.12% |
| Q1 2026 | 13.58% |
| Q4 2025 | 13.75% |
| Q3 2025 | 13.29% |
| Q2 2025 | 12.94% |
| Q1 2025 | 12.76% |
| Q4 2024 | 12.23% |
| Q3 2024 | 11.75% |
| Q2 2024 | 11.79% |
| Q1 2024 | 12.47% |
| Q4 2023 | 11.93% |
| Q3 2023 | 12.68% |
Texas Ratio: last 12 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q2 2026 | 26.47% |
| Q1 2026 | 17.92% |
| Q4 2025 | 18.07% |
| Q3 2025 | 16.72% |
| Q2 2025 | 16.58% |
| Q1 2025 | 0.00% |
| Q4 2024 | 0.00% |
| Q3 2024 | 0.00% |
| Q2 2024 | 0.00% |
| Q1 2024 | 0.00% |
| Q4 2023 | 0.00% |
| Q3 2023 | 0.00% |
Commerce Bank & Trust by quarter
| Quarter end | CET1 | NPL ratio | Texas ratio | ROA |
|---|---|---|---|---|
| Jun 30, 2026 | 14.13% | 3.44% | 26.47% | 1.02% |
| Mar 31, 2026 | 13.58% | 2.19% | 17.92% | 0.87% |
| Dec 31, 2025 | 13.75% | 2.31% | 18.07% | 0.36% |
| Sep 30, 2025 | 13.29% | 1.99% | 16.72% | 0.61% |
| Jun 30, 2025 | 12.94% | 1.84% | 16.58% | 0.82% |
| Mar 31, 2025 | 12.76% | 0.00% | 0.00% | 0.81% |
| Dec 31, 2024 | 12.23% | 0.00% | 0.00% | 0.64% |
| Sep 30, 2024 | 11.75% | 0.00% | 0.00% | 0.79% |
| Jun 30, 2024 | 11.79% | 0.00% | 0.00% | 0.57% |
| Mar 31, 2024 | 12.47% | 0.00% | 0.00% | 0.55% |
| Dec 31, 2023 | 11.93% | 0.00% | 0.00% | 0.20% |
| Sep 30, 2023 | 12.68% | 0.00% | 0.00% | 0.41% |
Banks with a similar risk profile
4 banks in the same asset tier with the same overall verdict.
Frequently asked
Is Commerce Bank & Trust FDIC insured?
Yes. Commerce Bank & Trust is an FDIC-insured commercial bank (FDIC Certificate #57429). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Is Commerce Bank & Trust well capitalized?
On its Q2 2026 call report, Commerce Bank & Trust's CET1 ratio is 14.12%, above the 6.5% well-capitalized threshold. The threshold comes from Prompt Corrective Action, which its primary federal regulator, the Federal Reserve, applies.
What are Commerce Bank & Trust's key safety ratios?
For Q2 2026, Commerce Bank & Trust reports CET1 14.12%, leverage 10.46%, Texas ratio 26.47%, noncurrent loans 3.44%. The Texas ratio compares problem assets with tangible equity plus reserves; above 100% has historically signaled elevated failure risk.
What happens to my deposits if Commerce Bank & Trust fails?
Insured deposits are protected up to $250,000 per depositor, per insured bank, per ownership category. If an insured bank fails, the FDIC pays insured depositors as soon as possible, usually the next business day.
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Free to use. It shows Commerce Bank & Trust’s latest filed figures and updates each quarter.
Methodology & disclaimer
Based on the latest FFIEC call report. Model output is an estimate, not a credit rating, and this page is not investment advice. FDIC insurance covers deposits up to $250,000 per depositor per ownership category at any FDIC-insured bank, whatever its safety profile. See the methodology and full profile.
Regulator records: FDIC BankFind (cert 57429) · FFIEC NIC profile (RSSD 3148613)
Explore: Full Commerce Bank & Trust profile · Other banks in FL · Metric glossary · How the call report works