Commerce Bank & Trust: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 25.56 percentage points lower than in Q1 2026, at 46.39%. Within Florida, Commerce Bank & Trust is 44th of 79 on return on assets, 1.02% as of Q2 2026. The median for banks in the $100M-1B asset tier is 1.26% on return on assets. Commerce Bank & Trust sits 0.24 points lower, at 1.02% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 14.12% |
| Tier 1 risk-based capital ratio | 14.12% |
| Total risk-based capital ratio | 15.38% |
| Tier 1 leverage ratio | 10.46% |
| Equity capital to assets | 7.48% |
| Tangible equity to tangible assets | 7.48% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 3.44% |
| Non-performing assets ratio | 2.26% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 26.47% |
| Allowance for credit losses to loans | 1.60% |
| Reserve coverage of non-performing loans | 46.39% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.02% |
| Return on equity | 12.93% |
| Net interest margin | 3.50% |
| Efficiency ratio | 68.91% |
| Yield on earning assets | 5.23% |
| Cost of funds | 1.82% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 76.95% |
| Core deposits to total deposits | 77.57% |
| Brokered deposits to total deposits | 11.74% |
| Deposits to assets | 85.26% |
| Securities to assets | 11.47% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 12.68% | 12.68% | 13.93% | 9.12% | 0.41% |
| Q4 2023 | 11.93% | 11.93% | 13.18% | 9.23% | 0.20% |
| Q1 2024 | 12.47% | 12.47% | 13.72% | 8.98% | 0.55% |
| Q2 2024 | 11.79% | 11.79% | 13.04% | 8.68% | 0.57% |
| Q3 2024 | 11.75% | 11.75% | 13.01% | 9.09% | 0.79% |
| Q4 2024 | 12.23% | 12.23% | 13.48% | 9.15% | 0.64% |
| Q1 2025 | 12.76% | 12.76% | 14.01% | 9.98% | 0.81% |
| Q2 2025 | 12.94% | 12.94% | 14.19% | 10.26% | 0.82% |
| Q3 2025 | 13.29% | 13.29% | 14.54% | 10.41% | 0.61% |
| Q4 2025 | 13.75% | 13.75% | 15.01% | 10.48% | 0.36% |
| Q1 2026 | 13.58% | 13.58% | 14.83% | 10.17% | 0.87% |
| Q2 2026 | 14.12% | 14.12% | 15.38% | 10.46% | 1.02% |
Commerce Bank & Trust vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Commerce Bank & Trust, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)