Institution Statistics
| Commerce National Bank & Trust | | FDIC Certificate # | 57429 | | BankRate Report | View | | Year Established | 2003 | | Employees | 27 | | Primary Regulator | OCC |
Assets and Liabilities | | Assets | $88.26 million | | Loans | $70.72 million | | Deposits | $75.33 million | | Equity Capital | $6.65 million | | Loan Loss Allowance | $3.19 million | | Unbacked Noncurrent Loans | $8.38 million | | Real Estate Owned | $1.11 million |
Historic Data - March 2011 | | Assets | $102.97 million | | Equity Capital | $9.85 million | | Loan Loss Allowance | $1.46 million | | Unbacked Noncurrent Loans | $2.08 million | | Real Estate Owned | $2.20 million |
Profit Margin - Quarterly | | Net Interest Margin | 4.01% | | Return on Assets | -2.42% | | Return on Equity | -31.51% | | Interest Income | $1.04 million |
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Institution Health
Overall Score:
1 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 National Bank & Trust had $9.49 million in non-current loans and owned real-estate with $9.84 million in equity and loan loss allowances on hand to cover it. This gives Commerce National Bank & Trust a Texas Ratio of 96.38% which is poor. 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 increased slightly from 37.81% as of March 31, 2011 to 96.38% as of March 31, 2012, resulting in a negative change of 154.92%. This indicates that the balance sheet and financial strength for Commerce National Bank & Trust has declined slightly in recent periods. | | Deposit Growth | | | In the past year, Commerce National Bank & Trust has decreased its total deposits by -$8.58 million, resulting in -10.22% 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. | | 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 National Bank & Trust has $88.26 million in assets with $9.84 million in equity, resulting in a capitalization level of 11.15%, which is above average. |
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