Commerce National Bank & Trust

Commerce National Bank & Trust Locations
1201 South Orlando Avenue
Winter Park, FL 32789
407-622-8181
www.cnbt-fl.com

FDIC

Commerce National Bank & Trust is headquartered in Winter Park and is the 186th largest bank in the state of Florida. It is also the 5,390th largest bank in the nation. It was established in 2003 and as of December of 2012, it had grown to 29 employees at 1 location. Commerce National Bank & Trust has a 3-star health rating.

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Top CD Rates at Commerce National Bank & Trust in Central Florida - Local Only - 9/28/2011

It's difficult to find decent CD rates anywhere in the nation, but it's especially difficult in Florida. I'm always on the lookout for a bank or credit union with competitive CD rates in a large popul ...

Competitive CD & IRA CD Rates In Orlando Metro Area (Forum) - 1/24/2011

The CD rates are not that great, but for those in the Orlando Metro area who prefer opening CDs at a brick-and-mortar bank, this bank has some rates that are currently better than what several other Orlando institutions are offering (including Fairwinds C


Data for Q4 2012


Institution Statistics


Commerce National Bank & Trust
FDIC Certificate #57429
BankRate ReportView
Year Established2003
Employees29
Primary RegulatorOCC

Assets and Liabilities

Assets$79.81 million
Loans$60.43 million
Deposits$67.80 million
Equity Capital$7.85 million
Loan Loss Allowance$3.12 million
Unbacked Noncurrent Loans$7.11 million
Real Estate Owned$844,000

Historic Data - December 2011

Assets$91.72 million
Equity Capital$7.18 million
Loan Loss Allowance$3.27 million
Unbacked Noncurrent Loans$5.50 million
Real Estate Owned$1.11 million

Profit Margin - Quarterly

Net Interest Margin3.92%
Return on Assets-1.46%
Return on Equity-16.41%
Interest Income$3.85 million

Institution Health


Overall Score:
3 out of 5
3
Texas Ratio2
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 December 31, 2012 Commerce National Bank & Trust had $7.96 million in non-current loans and owned real-estate with $10.98 million in equity and loan loss allowances on hand to cover it. This gives Commerce National Bank & Trust a Texas Ratio of 72.46% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend3
The Texas Ratio for Commerce National Bank & Trust held steady from 63.21% as of December 31, 2011 to 72.46% as of December 31, 2012, resulting in a negative change of 14.64%. This indicates that the balance sheet and financial strength for Commerce National Bank & Trust has held steady in recent periods.
Deposit Growth1
In the past year, Commerce National Bank & Trust has decreased its total deposits by -$10.58 million, resulting in -13.49% 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 National Bank & Trust has shown is poor.
Capitalization5
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 National Bank & Trust has $79.81 million in assets with $10.98 million in equity, resulting in a capitalization level of 13.76%, which is excellent.
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