Commerceone Bank
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Data as of · sourced from FFIEC call reports. How we update
Commerceone Bank is an FDIC-insured commercial bank headquartered in Birmingham, AL, established in 2018 (FDIC certificate 59114), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $1.06B, up 39.4% from Q2 2025, the 17th largest of 93 banks headquartered in Alabama. Its CET1 capital ratio was 11.89% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 59114
- Headquarters
- Birmingham, AL
- Established
- 2018
- Total assets, Q2 2026
- $1.06B
- Assets vs Q2 2025
- +39.4%
- CET1 ratio, Q2 2026
- 11.89%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 062006806
- Holding company
- COMMERCEONE FINANCIAL CORPORATION
- Asset rank in state
- 17th of 93 in Alabama
Commerceone Bank is growing quickly. It reported $1.1 billion in assets at June 30, 2026, up 39.4% from a year earlier. It carries problem assets equal to 0.0% of the capital and reserves that would absorb them, lower than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 3.6%). It also grew deposits 44.3% over the year, 8.7 times the median of 5.1% for banks its size.
Earnings jumped: net income for the quarter was $3.9 million, 36% above the same quarter a year earlier. Over the same year, loans grew 5.9% and deposits grew 44.3%. Where it has less room is capital: it funds 9.01% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.52%).
As of June 30, 2026, Commerceone Bank reported a CET1 capital ratio of 11.89%, a return on assets of 1.60%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
Of the 93 banks headquartered in Alabama, Commerceone Bank is the 17th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 19.2% to $1.06B, loans rose 0.3% and deposits rose 20.9%. The largest part of its loan book on June 30, 2026 was commercial and industrial loans, at 29.9% of total loans, ahead of 1-4 family residential loans at 23.3%. Its 2 offices in the FDIC Summary of Deposits are in Birmingham, AL and Mountain Brook, AL; its Birmingham office books 99% of its branch deposits. On its Q2 2026 call report, Commerceone Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 17 20th St N, Birmingham, AL 35203
- County
- Jefferson
- Metro Area
- Birmingham, AL
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- No
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- June 4, 2018
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 57
- Domestic deposits
- $970.2M
- Allowance for credit losses
- $6.9M
- Net charge-offs (YTD)
- $12.4M
- Average total assets
- $968.8M
- Average total loans
- $692.3M
- Average interest-bearing deposits
- $670.5M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- June 4, 2018
- FDIC Cert
- 59114
- Fed RSSD
- 5227101
- SEC CIK
- 2123444 → filed by COMMERCEONE FINANCIAL CORPORATION
- Website
- www.commerceonebank.com →
- Parent Holding Company
- COMMERCEONE FINANCIAL CORPORATION (RSSD 5757185)
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
Over the 12 quarters to Q2 2026, Commerceone Bank's total assets ran between $605.5M (Q3 2023) and $1.06B (Q2 2026), and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$1.06B total assets against $762.7M; $978.0M total liabilities against $683.5M.
$687.3M net loans and leases against $647.9M; $970.2M total deposits against $672.3M.
$42.7M securities against $45.1M; $314.6M cash and balances due against $59.8M.
$13.9M total interest income against $12.5M; $5.0M total interest expense against $5.0M.
$8.9M net interest income against $7.5M.
$191K total noninterest income against $161K; $3.8M total noninterest expense against $3.4M.
$1K provision for credit losses against $385K.
$3.9M net income against $2.9M.
1.60% return on assets against 1.48%; 3.73% net interest margin against 3.87%.
11.89% CET1 capital ratio against 12.08%; 9.01% tier 1 leverage ratio against 10.68%.
Inside the full Commerceone Bank 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.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Commerceone Bank rankings
Its closest position to the top of a national ranking is 278 of 3,606, for efficiency ratio; its furthest is 3,369 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -2.15% (Q1 2026) to 1.78% (Q3 2025) and its net interest margin ran from 3.56% (Q1 2025) to 4.14% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.89% | 1.60% | 0.00% | 0.00% | 3.73% |
| Q1 2026 | 11.32% | -2.15% | 0.00% | 0.00% | 3.73% |
| Q4 2025 | 11.70% | 1.69% | 0.00% | 0.00% | 4.14% |
| Q3 2025 | 11.80% | 1.78% | 0.00% | 0.00% | 3.87% |
| Q2 2025 | 12.08% | 1.48% | 0.00% | 0.00% | 3.87% |
| Q1 2025 | 12.21% | 1.48% | 0.00% | 0.00% | 3.56% |
| Q4 2024 | 12.02% | 1.47% | 0.00% | 0.00% | 3.62% |
| Q3 2024 | 12.16% | 1.69% | 0.00% | 0.00% | 3.57% |
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 |
|---|---|---|---|
| Commerceone Bank (main office) | Birmingham , AL | 35203 | $961.9M |
| Mountain Brook Branch | Mountain Brook , AL | 35223 | $8.3M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.7% of deposits in AL, rank 29 of 131 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 18 applications, 18 loans originated, $8.9M originated, across 4 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $3.7M approved, $3.7M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2021 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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 Commerceone Bank
What are Commerceone Bank's total assets?
As of the Q2 2026 filing, Commerceone Bank reported total assets of $1.06 billion in its FFIEC call report.
Where is Commerceone Bank headquartered?
It is headquartered in Birmingham, AL, United States.
When was Commerceone Bank founded?
It was established in 2018, per the FDIC institution directory.
Is Commerceone Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #59114). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Commerceone Bank?
Commerceone Bank's primary federal regulator is the FDIC.
What is Commerceone Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 11.89% in its Q2 2026 call report, above regulatory requirements.
How many branches does Commerceone Bank 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 Commerceone Bank's Texas Ratio?
Its Texas Ratio is 0.00% 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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