Bank Comparison
Kleberg Bank, N.A. 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 | Kleberg Bank, N.A. | Commerce Bank |
|---|---|---|
| CET1 Ratio | 12.82% | 30.93% |
| Tier 1 Capital Ratio | 12.82% | 30.93% |
| Total Capital Ratio | 14.05% | 31.95% |
| Tier 1 Leverage Ratio | 9.30% | 12.04% |
| Equity / Assets | 9.71% | 10.42% |
Profitability
| Metric | Kleberg Bank, N.A. | Commerce Bank |
|---|---|---|
| Return on Assets (ROA) | 1.12% | 1.71% |
| Return on Equity (ROE) | 11.93% | 16.94% |
| Net Interest Margin (NIM) | 4.23% | 2.78% |
| Yield on Earning Assets | 5.37% | 4.40% |
| Cost of Funds | 1.17% | 1.78% |
Asset quality
| Metric | Kleberg Bank, N.A. | Commerce Bank |
|---|---|---|
| Texas Ratio | 6.73% | 0.22% |
| Non-Performing Loan Ratio | 0.81% | 0.01% |
| Non-Performing Asset Ratio | 0.55% | 0.00% |
| Net Charge-Off Ratio | 0.07% | 0.30% |
| ACL / Loans | 1.23% | 1.63% |
Balance sheet
| Metric | Kleberg Bank, N.A. | Commerce Bank |
|---|---|---|
| Total Assets | $743,443K | $738,516K |
| Total Deposits | $662,662K | $657,332K |
| Total Loans | $503,901K | $174,330K |
| Total Equity | $72,196K | $76,922K |
| Net Income (quarter) | $2,108K | $3,229K |
Liquidity & funding
| Metric | Kleberg Bank, N.A. | Commerce Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 76.04% | 26.52% |
| Core Deposit Ratio | 86.46% | 75.01% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Kleberg Bank, N.A. | Commerce Bank |
|---|---|---|
| Headquarters City | KINGSVILLE | LAREDO |
| Headquarters State | TX | TX |
| Asset Tier | Medium | Medium |
| Charter Class | 12968 | 0 |
| Regulator | OCC | FDIC |
| Domestic Branches | 4 | 3 |
| Employees (FTE) | 126 | 47 |
| Established | Jan. 1, 1926, 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.
View full Kleberg Bank, N.A. profile | View full Commerce Bank profile | Browse all bank comparisons