Bank Comparison
Hickory Point Bank and Trust vs Commerce Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
10 · 13
winning metrics across 23 comparable rows
Capital adequacy
| Metric | Hickory Point Bank and Trust | Commerce Bank |
|---|---|---|
| CET1 Ratio | 16.23% | 30.93% |
| Tier 1 Capital Ratio | 16.23% | 30.93% |
| Total Capital Ratio | 17.35% | 31.95% |
| Tier 1 Leverage Ratio | 10.72% | 12.04% |
| Equity / Assets | 10.61% | 10.42% |
Profitability
| Metric | Hickory Point Bank and Trust | Commerce Bank |
|---|---|---|
| Return on Assets (ROA) | 1.16% | 1.71% |
| Return on Equity (ROE) | 10.96% | 16.94% |
| Net Interest Margin (NIM) | 3.50% | 2.78% |
| Yield on Earning Assets | 4.71% | 4.40% |
| Cost of Funds | 1.32% | 1.78% |
Asset quality
| Metric | Hickory Point Bank and Trust | Commerce Bank |
|---|---|---|
| Texas Ratio | 2.99% | 0.22% |
| Non-Performing Loan Ratio | 0.58% | 0.01% |
| Non-Performing Asset Ratio | 0.34% | 0.00% |
| Net Charge-Off Ratio | 0.00% | 0.30% |
| ACL / Loans | 1.25% | 1.63% |
Balance sheet
| Metric | Hickory Point Bank and Trust | Commerce Bank |
|---|---|---|
| Total Assets | $737,221K | $738,516K |
| Total Deposits | $650,818K | $657,332K |
| Total Loans | $434,449K | $174,330K |
| Total Equity | $78,255K | $76,922K |
| Net Income (quarter) | $2,134K | $3,229K |
Liquidity & funding
| Metric | Hickory Point Bank and Trust | Commerce Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 66.75% | 26.52% |
| Core Deposit Ratio | 94.87% | 75.01% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Hickory Point Bank and Trust | Commerce Bank |
|---|---|---|
| Headquarters City | DECATUR | LAREDO |
| Headquarters State | IL | TX |
| Asset Tier | Medium | Medium |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 8 | 3 |
| Employees (FTE) | 121 | 47 |
| Established | June 4, 1979, midnight | March 31, 1982, 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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