Total Assets
$189M
Total balance-sheet footings
FDIC Cert #57429 · Winter Park, Florida · Est. 2003
Commerce Bank & Trust - FDIC Bank Health Profile
A community-scale look at Commerce Bank & Trust's own numbers, pulled straight from its quarterly FDIC Call Report.
- $189M
- Total assets
- C
- Health grade · Fair
- 0.65%
- Return on assets
- 13.8%
- Tier 1 capital
Data updated July 2026
The verdict
Commerce Bank & Trust earns a PlainBankData health grade of C (63/100), with well-capitalized at 13.75% Tier 1, 0.65% ROA, 76% efficiency ratio.
- #3,089
- largest of 4,313 FDIC banks by assets
- 28th
- percentile by asset size, nationally
- 13.75%
- Tier 1 ratio - above the 10% well-capitalized line
- 22nd
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
How Commerce Bank & Trust's 63/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Commerce Bank & Trust's composite health score
Tier 1 Capital Ratio (13.75%) 35/40
Return on Assets (ROA) (0.65%) 14/25
Texas Ratio (18.07%) 10/20
Efficiency Ratio (76.07%) 4/15
63 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$164M
Customer-funded liabilities
Net Loans
$122M
Outstanding loan book
Net Income
$1M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Commerce Bank & Trust ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Commerce Bank & Trust's score of 63/100 falls in the highlighted band.
Commerce Bank & Trust's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Commerce Bank & Trust's $189M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
13.75% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
13.75%
Texas Ratio
18.07%
Equity Capital
$14M
Profitability metrics
Return on Assets (ROA)
22nd percentile nationally
0.65%
Return on Equity (ROE)
9.17%
Efficiency Ratio
76.07%
What the numbers say about Commerce Bank & Trust
Commerce Bank & Trust is an FDIC-insured institution (Certificate #57429) headquartered in Winter Park, Florida, established in 2003. It holds $189M in total assets - 3,089th of 4,313 FDIC-insured banks, $164M in customer deposits, and $122M in net loans. Looking at capital strength, Tier 1 stands at 13.75%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 18.07%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of C (63/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Florida, Commerce Bank & Trust ranks 71st of 83 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$9M
Interest Income
$368K
Non-Interest Income
$5M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Commerce Bank & Trust reports a Texas Ratio of 18.07% - within the generally healthy range below the 50% level analysts watch.
Texas Ratio
Caution 50%
18.07% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Florida by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Commerce Bank & Trust (FDIC Cert #57429) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Florida
All Florida banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| SouthState Bank, National AssociationWinter Haven | $67.2B | A | 1.40% |
| EverBank, National AssociationJacksonville | $46.0B | B | 0.72% |
| Raymond James BankSaint Petersburg | $43.4B | A | 1.47% |
| BankUnited, National AssociationMiami Lakes | $35.0B | B | 0.89% |
| City National Bank of FloridaMiami | $28.0B | A | 0.96% |
| Seacoast National BankStuart | $20.8B | A | 0.91% |
| Amerant Bank, National AssociationCoral Gables | $9.8B | C | 0.64% |
| Ocean BankMiami | $7.4B | B | 0.92% |
Frequently asked questions
What is Commerce Bank & Trust's health grade?▼
Commerce Bank & Trust receives a health grade of C (63/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank meets regulatory minimums but has some areas of financial weakness to monitor.
How large is Commerce Bank & Trust?▼
Commerce Bank & Trust holds $189M in total assets and $164M in deposits, ranking 3,089th of 4,313 FDIC-insured banks by asset size. It is headquartered in Winter Park, Florida.
Is my money safe at Commerce Bank & Trust?▼
Yes, deposits at Commerce Bank & Trust (Certificate #57429) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Commerce Bank & Trust's Tier 1 Capital Ratio?▼
Commerce Bank & Trust has a Tier 1 Capital Ratio of 13.75%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Commerce Bank & Trust?▼
Commerce Bank & Trust has a Texas Ratio of 18.07%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Commerce Bank & Trust?▼
Commerce Bank & Trust has an Efficiency Ratio of 76.07%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Commerce Bank & Trust's profile as a depositor or analyst.
- Commerce Bank & Trust's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Commerce Bank & Trust against other Florida banks before moving funds. Florida banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.