Commercial Bank (Saint Louis, MO)
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Data as of · sourced from FFIEC call reports. How we update
Commercial Bank is an FDIC-insured commercial bank headquartered in Saint Louis, MO, established in 1988 (FDIC certificate 27409), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $282.9M, down 0.9% from Q2 2025, the 102nd largest of 191 banks headquartered in Missouri. Its CET1 capital ratio was 10.86% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 27409
- Headquarters
- Saint Louis, MO
- Established
- 1988
- Total assets, Q2 2026
- $282.9M
- Assets vs Q2 2025
- -0.9%
- CET1 ratio, Q2 2026
- 10.86%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 081006201
- Latest call report
- Q2 2026, FFIEC 051 · Commercial Bank call report
- Holding company
- COMMERCIAL BANCSHARES, INC.
- Asset rank in state
- 102nd of 191 in Missouri
Commercial Bank operates with a thinner capital cushion than most banks of its size. The Saint Louis, Missouri bank had $283 million in assets at June 30, 2026. It holds common equity equal to 10.86% of its risk-weighted assets, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 15.12%). It also earns about $0.52 a year on every $100 of assets, about a third the median of $1.28 for banks its size.
Earnings jumped: net income for the quarter was $378,000, 72% above the same quarter a year earlier. Over the same year, loans grew 10.3% and deposits shrank 1.5%. Costs are the weak spot: it spends about 78 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 61 cents).
As of June 30, 2026, Commercial Bank reported a CET1 capital ratio of 10.86%, a return on assets of 0.52%, a nonperforming-loan ratio of 1.00% and a Texas ratio of 11.26%. The figures come from its call report filed with the FFIEC.
Commercial Bank ranks as the 102nd largest of the 191 banks based in Missouri, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 2.0% to $282.9M, loans rose 4.0% and deposits rose 1.2%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 29.1% of total loans, ahead of owner-occupied commercial real estate loans at 25.4%. The FDIC Summary of Deposits lists 4 offices for it, in Saint Louis, MO, Florissant, MO and Chesterfield, MO; its Saint Louis 2 offices book 68% of its branch deposits. Judged on its Q2 2026 call report, Commercial Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 2330 West Port Plaza Dr, Saint Louis, MO 63146
- County
- St. Louis
- Metro Area
- St. Louis, MO-IL
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- December 21, 1988
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 37
- Domestic deposits
- $246.5M
- Allowance for credit losses
- $2.3M
- Net charge-offs (YTD)
- $156K
- Average total assets
- $289.5M
- Average total loans
- $195.1M
- Average interest-bearing deposits
- $187.2M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- December 21, 1988
- FDIC Cert
- 27409
- Fed RSSD
- 1225752
- Website
- www.mycbstl.bank →
- Parent Holding Company
- COMMERCIAL BANCSHARES, INC. (RSSD 3101560)
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, Commercial Bank's total assets ranged from $270.4M (Q4 2024) to $286.6M (Q4 2023), 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
$282.9M total assets against $285.4M; $267.5M total liabilities against $272.1M.
$195.9M net loans and leases against $177.5M; $246.5M total deposits against $250.2M.
$65.3M securities against $78.4M; $8.8M cash and balances due against $15.5M.
$3.5M total interest income against $3.3M; $1.1M total interest expense against $1.1M.
$2.4M net interest income against $2.2M.
$190K total noninterest income against $209K; $2.1M total noninterest expense against $2.1M.
$75K provision for credit losses against $95K.
$378K net income against $220K.
0.52% return on assets against 0.30%; 3.48% net interest margin against 3.16%.
10.86% CET1 capital ratio against 10.75%; 7.93% tier 1 leverage ratio against 7.73%.
Inside the full Commercial Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeCommercial Bank rankings
Its closest position to the top of a national ranking is 531 of 3,640, for Texas Ratio; its furthest is 1,984 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.23% (Q3 2024) to 0.52% (Q2 2026) and its net interest margin ran from 2.74% (Q3 2024) to 3.48% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.86% | 0.52% | 1.00% | 11.26% | 3.48% |
| Q1 2026 | 10.94% | 0.38% | 1.00% | 10.95% | 3.24% |
| Q4 2025 | 10.83% | 0.43% | 0.98% | 10.59% | 3.42% |
| Q3 2025 | 10.99% | 0.44% | 0.68% | 7.44% | 3.30% |
| Q2 2025 | 10.75% | 0.30% | 0.74% | 8.66% | 3.16% |
| Q1 2025 | 10.59% | 0.24% | 0.51% | 6.29% | 2.97% |
| Q4 2024 | 10.95% | 0.34% | 0.42% | 5.52% | 3.05% |
| Q3 2024 | 10.82% | 0.23% | 0.50% | 5.59% | 2.74% |
Swipe the table sideways to see every column.
Branch Network
View all 4 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 |
|---|---|---|---|
| Commercial Bank (main office) | Saint Louis , MO | 63146 | $124.4M |
| Florissant Branch | Florissant , MO | 63031 | $72.3M |
| Machester Branch | Saint Louis , MO | 63131 | $42.0M |
| Chesterfield Branch | Chesterfield , MO | 63005 | $7.8M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in MO, rank 128 of 249 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $3.0M approved, $3.0M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (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 Commercial Bank
What are Commercial Bank's total assets?
As of the Q2 2026 filing, Commercial Bank reported total assets of $282.9 million in its FFIEC call report.
Where is Commercial Bank headquartered?
It is headquartered in Saint Louis, MO, United States.
When was Commercial Bank founded?
It was established in 1988, per the FDIC institution directory.
Is Commercial Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #27409). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Commercial Bank?
Commercial Bank's primary federal regulator is the FDIC.
What is Commercial Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 10.86% in its Q2 2026 call report, above regulatory requirements.
How many branches does Commercial Bank operate?
It operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Commercial Bank's Texas Ratio?
Its Texas Ratio is 11.26% 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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