Commerce Bank & Trust Company

386 Main Street
Worcester, MA 1608
(508) 797-6800
www.bankatcommerce.com

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Commerce Bank & Trust Company is headquartered in Worcester and is the 16^st largest bank in the state of Massachusetts. It is also the 436^th largest bank in the nation. It was established in 1955 and as of March of 2012, it had grown to 243 employees at 14 locations. Commerce Bank & Trust Company's money market rates are 2X the national average, and it boasts a 5-star health rating.

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See Rates for: Savings | Money Market | CD | IRA

Commerce Bank & Trust Company Savings Account Rates

Apy	Min	Max	Product
0.60%	$500k	-	Lion's Share Relationship Savings
0.05%	-	-	Personal Savings
0.05%	-	-	Cub Savings
0.05%	-	-	Holiday Club
0.05%	-	-	Vacation Club

Commerce Bank & Trust Company Money Market Rates

Apy	Min	Max	Product
0.90%	$5k	-	Premier Relationship Money Market Account
0.25%	$20k	-	Personal Money Market

Commerce Bank & Trust Company CD Rates

Apy	Min	Max	Product
1.50%	$1k	-	60 Month CD
1.05%	$1k	-	36 Month CD
0.95%	$1k	-	30 Month CD
0.90%	$5k	-	24 Month Bump-Up CD
0.90%	$1k	-	24 Month CD
0.70%	$1k	-	18 Month CD
0.60%	$5k	-	12 Month Bump-Up CD
0.60%	$1k	-	12 Month CD
0.55%	$1k	-	12 Month Smart CD
0.10%	$1k	-	91 Day CD
0.10%	$1k	-	6 Month CD
0.05%	$1k	-	7 - 31 Day CD

Commerce Bank & Trust Company IRA Rates

Apy	Min	Max	Product
1.50%	$500	-	60 Month Fixed Rate IRA CD
1.50%	$500	-	60 Month Fixed Rate Roth IRA CD
1.05%	$500	-	36 Month Fixed Rate IRA CD
1.05%	$500	-	42 Month Fixed Rate IRA CD
1.05%	$500	-	36 Month Fixed Rate Roth IRA CD
1.05%	$500	-	42 Month Fixed Rate Roth IRA CD
0.95%	$500	-	30 Month Fixed Rate IRA CD
0.95%	$500	-	30 Month Fixed Rate Roth IRA CD
0.90%	$5k	-	24 Month Bump-Up IRA
0.90%	$500	-	24 Month Fixed Rate IRA CD
0.90%	$500	-	24 Month Fixed Rate Roth IRA CD
0.90%	$5k	-	24 Month Bump-Up Roth IRA
0.70%	$500	-	18 Month Fixed Rate IRA CD
0.70%	$500	-	18 Month Fixed Rate Roth IRA CD
0.60%	$5k	-	12 Month Bump-Up IRA
0.60%	$500	-	12 Month Fixed Rate IRA CD
0.60%	$500	-	12 Month Fixed Rate Roth IRA CD
0.60%	$5k	-	12 Month Bump-Up Roth IRA
0.10%	$500	-	6 Month Fixed Rate IRA CD
0.10%	$500	-	6 Month Fixed Rate Roth IRA CD

Rates updated: 5/24/2012

Data for Q1 2012

Institution Statistics

Commerce Bank & Trust Company
FDIC Certificate #	17484
BankRate Report	View
Year Established	1955
Employees	243
Primary Regulator	FDIC
Assets and Liabilities
Assets	$1.53 billion
Loans	$808.02 million
Deposits	$1.32 billion
Equity Capital	$139.64 million
Loan Loss Allowance	$9.17 million
Unbacked Noncurrent Loans	$5.13 million
Real Estate Owned	$2.58 million
Historic Data - March 2011
Assets	$1.52 billion
Equity Capital	$132.28 million
Loan Loss Allowance	$8.05 million
Unbacked Noncurrent Loans	$3.85 million
Real Estate Owned	$2.50 million
Profit Margin - Quarterly
Net Interest Margin	2.99%
Return on Assets	0.71%
Return on Equity	7.47%
Interest Income	$12.96 million

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 & Trust Company had $7.72 million in non-current loans and owned real-estate with $148.8 million in equity and loan loss allowances on hand to cover it. This gives Commerce Bank & Trust Company a Texas Ratio of 5.18% 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 & Trust Company held steady from 4.53% as of March 31, 2011 to 5.18% as of March 31, 2012, resulting in a negative change of 14.52%. This indicates that the balance sheet and financial strength for Commerce Bank & Trust Company has held steady in recent periods.
Deposit Growth
In the past year, Commerce Bank & Trust Company has increased its total deposits by $34.15 million, resulting in 2.66% 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 & Trust Company has shown is above average.
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 & Trust Company has $1.53 billion in assets with $148.8 million in equity, resulting in a capitalization level of 9.76%, which is average.

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