Commerce Bank & Trust
Winter Park, FL · Cert 57429 · Peer group: banks under $1B in assets (n=581-629) · Commerce Natl Bankshares FL
State charter, Fed member · FED · 1 branch
Q2 2026
$197.9MAssets
$129.9MLoans
$168.8MDeposits
$14.8MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets (rank 158 of 581).
- Widest gap: nonperforming loans / loans trails 95% of banks under $1B in assets (rank 552 of 581).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
0.68%
Rank 447 of 629
Net Interest Margin
3.24%
Rank 411 of 629
Efficiency Ratio
71.42%
Rank 371 of 629
Equity / Assets
7.48%
Rank 579 of 629
Non-interest income vs. expense
Unfavorable gap of $4.1M · efficiency ratio beats 41% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.68% | 0.60% | 1.01% | 1.45% | Beats 29% | 447 / 629 | | |
| Return on Equity | 9.12% | 5.38% | 9.30% | 13.28% | Beats 48% | 327 / 629 | | |
| Net Interest Margin | 3.24% | 3.03% | 3.54% | 4.05% | Beats 35% | 411 / 629 | | |
| Efficiency Ratio | 71.42% | 58.35% | 67.79% | 79.08% | Beats 41% | 371 / 629 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 3.44% | 0.09% | 0.46% | 1.20% | Beats 5% | 552 / 581 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 100% | 158 / 581 | | |
| Capital |
| Tier 1 Capital Ratio | 14.13% | 11.24% | 13.84% | 18.77% | Beats 52% | 301 / 629 | | |
| Total Risk-Based Capital Ratio | 15.38% | 11.58% | 14.43% | 19.66% | Beats 56% | 275 / 629 | | |
| Equity / Assets | 7.48% | 9.09% | 10.65% | 13.80% | Beats 8% | 579 / 629 | | |
| Liquidity & Funding |
| Loans / Deposits | 76.95% | 67.24% | 80.90% | 93.48% | 44th pctl | 331 / 594 | | |
| Loans / Assets | 65.61% | 53.31% | 67.71% | 78.15% | 45th pctl | 347 / 629 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |