Bank Comparison
Commerce Bank vs Village Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
12 · 11
winning metrics across 23 comparable rows
Capital adequacy
| Metric | Commerce Bank | Village Bank |
|---|---|---|
| CET1 Ratio | 30.93% | 14.04% |
| Tier 1 Capital Ratio | 30.93% | 14.04% |
| Total Capital Ratio | 31.95% | 14.68% |
| Tier 1 Leverage Ratio | 12.04% | 11.64% |
| Equity / Assets | 10.42% | 11.42% |
Profitability
| Metric | Commerce Bank | Village Bank |
|---|---|---|
| Return on Assets (ROA) | 1.71% | -0.02% |
| Return on Equity (ROE) | 16.94% | -0.15% |
| Net Interest Margin (NIM) | 2.78% | 4.03% |
| Yield on Earning Assets | 4.40% | 5.53% |
| Cost of Funds | 1.78% | 1.65% |
Asset quality
| Metric | Commerce Bank | Village Bank |
|---|---|---|
| Texas Ratio | 0.22% | 0.71% |
| Non-Performing Loan Ratio | 0.01% | 0.05% |
| Non-Performing Asset Ratio | 0.00% | 0.04% |
| Net Charge-Off Ratio | 0.30% | 0.00% |
| ACL / Loans | 1.63% | 0.62% |
Balance sheet
| Metric | Commerce Bank | Village Bank |
|---|---|---|
| Total Assets | $738,516K | $738,615K |
| Total Deposits | $657,332K | $639,227K |
| Total Loans | $174,330K | $600,027K |
| Total Equity | $76,922K | $84,337K |
| Net Income (quarter) | $3,229K | $-32 |
Liquidity & funding
| Metric | Commerce Bank | Village Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 26.52% | 93.87% |
| Core Deposit Ratio | 75.01% | 98.52% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Commerce Bank | Village Bank |
|---|---|---|
| Headquarters City | LAREDO | Midlothian |
| Headquarters State | TX | VA |
| Asset Tier | Medium | Medium |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 3 | 9 |
| Employees (FTE) | 47 | 120 |
| Established | March 31, 1982, midnight | Dec. 13, 1999, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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