Commerce Bank Texas

Commerce Bank Texas is headquartered in Stockdale and is the 559^th largest bank in the state of Texas. It is also the 6,751^st largest bank in the nation. It was established in 1932 and as of March of 2012, it had grown to 9 employees at 1 location. Commerce Bank Texas has a 5-star health rating.

Commerce Bank Texas Routing Number: 114921622

Data for Q1 2012

Institution Statistics Commerce Bank Texas FDIC Certificate # 15346 BankRate Report View Year Established 1932 Employees 9 Primary Regulator FDIC Assets and Liabilities Assets $37.66 million Loans $22.55 million Deposits $31.22 million Equity Capital $6.40 million Loan Loss Allowance $259,000 Real Estate Owned $33,000 Historic Data - March 2011 Assets $34.97 million Equity Capital $6.26 million Loan Loss Allowance $275,000 Unbacked Noncurrent Loans $19,000 Real Estate Owned $77,000 Profit Margin - Quarterly Net Interest Margin 4.73% Return on Assets 0.85% Return on Equity 5.08% Interest Income $412,000

Institution Health Overall Score: 5 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 Commerce Bank Texas had $33,000 in non-current loans and owned real-estate with $6.66 million in equity and loan loss allowances on hand to cover it. This gives Commerce Bank Texas a Texas Ratio of 0.50% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Commerce Bank Texas decreased significantly from 1.47% as of March 31, 2011 to 0.50% as of March 31, 2012, resulting in a positive change of 66.30%.This indicates that the balance sheet and financial strength for Commerce Bank Texas has improved significantly in recent periods. Deposit Growth In the past year, Commerce Bank Texas has increased its total deposits by $2.54 million, resulting in 8.84% 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 Texas has shown is excellent. Capitalization 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 Texas has $37.66 million in assets with $6.66 million in equity, resulting in a capitalization level of 17.69%, which is excellent.

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