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Overview / Commentary
520-325-5200
3805 East Broadway Boulevard
Tucson, AZ 85716

Commerce Bank of Arizona is headquartered in Tucson and is the 10st largest bank in the state of Arizona. It is also the 3,175th largest bank in the nation. It was established in 2002 and as of March of 2014, it had grown to 53 employees at 6 locations. Commerce Bank of Arizona has a D health rating.

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Health

Data for Q1 2014

Institution Health

D

Texas Ratio

GRADE:
F

The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Commerce Bank of Arizona had $16.35 million in non-current loans and owned real-estate with $15.08 million in equity and loan loss allowances on hand to cover it. This gives Commerce Bank of Arizona a Texas Ratio of 108.44% which is poor. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
C-

The Texas Ratio for Commerce Bank of Arizona increased slightly from 49.50% as of March 31, 2013 to 108.44% as of March 31, 2014, resulting in a negative change of 119.04%. This indicates that the balance sheet and financial strength for Commerce Bank of Arizona has declined slightly in recent periods.

Deposit Growth

GRADE:
F

In the past year, Commerce Bank of Arizona has decreased its total deposits by -$23.35 million, resulting in -11.73% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Commerce Bank of Arizona has shown is poor.

Capitalization

GRADE:
C-

Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Commerce Bank of Arizona has $190.12 million in assets with $15.08 million in equity, resulting in a capitalization level of 7.93%, which is below average.

Institution Statistics

Overall
FDIC Certificate #57279
Year Established2002
Employees53
Primary RegulatorFDIC
Assets and Liabilities
Assets$190.12 million
Loans$138.22 million
Deposits$175.69 million
Equity Capital$10.34 million
Loan Loss Allowance$4.74 million
Unbacked Noncurrent Loans$11.17 million
Real Estate Owned$5.19 million
Historic Data - March 2013
Assets$226.09 million
Equity Capital$19.89 million
Loan Loss Allowance$4.71 million
Unbacked Noncurrent Loans$11.17 million
Real Estate Owned$5.87 million
Profit Margin - Quarterly
Net Interest Margin3.92%
Return on Assets-1.22%
Return on Equity-22.33%
Interest Income$1.91 million
Rates

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Locations


Commerce Bank of Arizona Locations
Green Valley Branch222 West EsperanzaGreen Valley, AZ 85614
Tubac Branch2221 E Frontage Rd Bldg G Suite 101Tubac, AZ 85646
Northwest Tucson Branch2285 W. Ina RoadTucson, AZ 85741
Towne Bank Branch3156 East Baseline RoadMesa, AZ 85204
Commerce Bank Of Arizona3805 East Broadway BoulevardTucson, AZ 85716
Scottsdale Branch4110 North Scottsdale Road Suite 120Scottsdale, AZ 85251