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1201 South Orlando Avenue
Winter Park, FL 32789

Commerce National Bank & Trust is headquartered in Winter Park and is the 178th largest bank in the state of Florida. It is also the 5,279th largest bank in the nation. It was established in 2003 and as of March of 2014, it had grown to 29 employees at 1 location. Commerce National Bank & Trust has a B health rating.

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Data for Q1 2014

Institution Health

Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. Commerce National Bank & Trust has a relatively low asset base.

Texas Ratio


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 National Bank & Trust had $2.87 million in non-current loans and owned real-estate with $10.76 million in equity and loan loss allowances on hand to cover it. This gives Commerce National Bank & Trust a Texas Ratio of 26.65% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Commerce National Bank & Trust decreased dramatically from 74.24% as of March 31, 2013 to 26.65% as of March 31, 2014, resulting in a positive change of 64.11%.This indicates that the balance sheet and financial strength for Commerce National Bank & Trust has improved dramatically in recent periods.

Deposit Growth


In the past year, Commerce National Bank & Trust has decreased its total deposits by -$2.94 million, resulting in -4.27% 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 below average.



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 $77.14 million in assets with $10.76 million in equity, resulting in a capitalization level of 13.95%, which is excellent.

Institution Statistics

FDIC Certificate #57429
Year Established2003
Primary RegulatorOCC
Assets and Liabilities
Assets$77.14 million
Loans$57.18 million
Deposits$65.92 million
Equity Capital$7.94 million
Loan Loss Allowance$2.83 million
Unbacked Noncurrent Loans$1.89 million
Real Estate Owned$982,000
Historic Data - March 2013
Assets$80.90 million
Equity Capital$7.85 million
Loan Loss Allowance$2.97 million
Unbacked Noncurrent Loans$1.89 million
Real Estate Owned$879,000
Profit Margin - Quarterly
Net Interest Margin3.78%
Return on Assets0.69%
Return on Equity6.85%
Interest Income$811,000

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Commerce National Bank & Trust Locations
Commerce National Bank & Trust1201 South Orlando AvenueWinter Park, FL 32789