What is Commerce Bank & Trust's financial health grade?

Commerce Bank & Trust has a TFS Financial Health Grade of C- (score: 70.1/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does Commerce Bank & Trust have?

Commerce Bank & Trust has 1 branch location across the United States.

Is Commerce Bank & Trust FDIC insured?

Yes, Commerce Bank & Trust is FDIC insured (Certificate #57429).

What are the total assets of Commerce Bank & Trust?

Commerce Bank & Trust has total assets of $188.9M as reported in its most recent FDIC filing.

Commerce Bank & Trust

BankWinter Park, Florida

www.cbt-fl.com

Total Assets

$188.9M

Total Deposits

$164.0M

Branches

Established

2003

TFS Health Grade

C-

70.1 / 100

Average financial health

How we grade

Commerce Bank & Trust is a bank headquartered in Winter Park, Florida, established in 2003. With $188.9M in total assets and 1 branch locations, it has a TFS Financial Health Grade of C- (70.1/100).

Capital & Safety

Tier 1 Capital Ratio

10.48%(8%)

Total Capital Ratio

15.01%(10%)

Non-Performing Loan Ratio

2.31%

Profitability

Return on Assets (ROA)

0.65%(1%)

Return on Equity (ROE)

9.17%(10%)

Net Interest Margin

3.40%

Efficiency Ratio

76.07%(60%)

Lending & Liquidity

Total Loans

$124.1M

Loan-to-Deposit Ratio

74.45%

Net Charge-Off Ratio

0.01%

Growth

Asset Growth (YoY)

+9.88%

Deposit Growth (YoY)

+6.15%

Net Income

$1.1M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

Branch	Address	City	State	Type
Commerce Bank & TrustHQ	1201 S Orlando Ave	Winter Park	FL	11

Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.