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2330 West Port Plaza Drive
Saint Louis, MO 63146

Commercial Bank (MO) is headquartered in Saint Louis and is the 122nd largest bank in the state of Missouri. It is also the 3,357th largest bank in the nation. It was established in 1988 and as of March of 2014, it had grown to 41 employees at 4 locations. Commercial Bank (MO)'s savings rates are 92% higher than the national average, and it has a B+ health rating.

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Data for Q1 2014

Institution Health


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 Commercial Bank (MO) had $2.8 million in non-current loans and owned real-estate with $15.42 million in equity and loan loss allowances on hand to cover it. This gives Commercial Bank (MO) a Texas Ratio of 18.15% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Commercial Bank (MO) decreased slightly from 22.56% as of March 31, 2013 to 18.15% as of March 31, 2014, resulting in a positive change of 19.57%.This indicates that the balance sheet and financial strength for Commercial Bank (MO) has improved slightly in recent periods.

Deposit Growth


In the past year, Commercial Bank (MO) has increased its total deposits by $7.49 million, resulting in 5% 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 Commercial Bank (MO) has shown is excellent.



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. Commercial Bank (MO) has $173.58 million in assets with $15.42 million in equity, resulting in a capitalization level of 8.88%, which is average.

Institution Statistics

FDIC Certificate #27409
Year Established1988
Primary RegulatorFDIC
Assets and Liabilities
Assets$173.58 million
Loans$99.03 million
Deposits$157.25 million
Equity Capital$13.85 million
Loan Loss Allowance$1.57 million
Unbacked Noncurrent Loans$1.07 million
Real Estate Owned$1.73 million
Historic Data - March 2013
Assets$166.40 million
Equity Capital$14.42 million
Loan Loss Allowance$2.09 million
Unbacked Noncurrent Loans$1.07 million
Real Estate Owned$2.03 million
Profit Margin - Quarterly
Net Interest Margin3.71%
Return on Assets0.45%
Return on Equity5.59%
Interest Income$1.62 million

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Commercial Bank (MO) Savings Account Rates

1.00%--UTMA Custodial Savings
0.25%$25-Personal Savings
0.25%$25-Executive 50 Savings
0.20%$10k-Health Savings Account
0.20%--Business Savings

Commercial Bank (MO) Money Market Rates

0.30%$100k-Personal Money Market
0.15%$50k-Busienss Money Market

Commercial Bank (MO) Checking Account Rates

0.25%$75k-Oasis Checking
0.15%$50k-Executive Checking
0.15%$50k-Executive 50 Checking
0.08%$100k-Business Elite Checking

Commercial Bank (MO) CD Rates

0.60%--5 Year CD
0.60%--5 Year Business CD
0.50%--4 Year CD
0.50%--4 Year Business CD
0.45%--3 Year CD
0.45%--3 Year Business CD
0.45%--28 Month Special CD
0.45%--28 Month Special Business CD
0.40%--2 Year CD
0.40%--2 Year Business CD
0.35%--15 Month Special CD
0.35%--15 Month Special Business CD
0.30%--1 Year CD
0.30%--1 Year Business CD
0.20%--182 - 364 Day CD
0.20%--182 - 364 Day Business CD
0.15%--91 - 181 Day CD
0.15%--91 - 181 Day Business CD
0.10%--14 - 90 Day CD
0.10%--14 - 90 Day Business CD

Commercial Bank (MO) IRA Rates

1.00%--1 Year Special IRA
1.00%--1 Year Special Business SEP IRA
0.60%--5 Year IRA
0.60%--5 Year Business IRA
0.50%--4 Year IRA
0.50%--4 Year Business IRA
0.45%--3 Year IRA
0.45%--3 Year Business IRA
0.40%--2 Year IRA
0.40%--2 Year Business IRA
0.30%--1 Year IRA
0.30%--1 Year Business IRA
0.20%--182 - 364 Day IRA
0.20%--182 - 364 Day Business IRA
0.15%--91 - 181 Day IRA
0.15%--91 - 181 Day Business IRA
0.10%--14 - 90 Day IRA
0.10%--14 - 90 Day Business IRA

Commercial Bank (MO) Locations
Commercial Bank2330 West Port Plaza DriveSaint Louis, MO 63146
Florissant Branch400 West WashingtonFlorissant, MO 63031
Chesterfield Branch703 Long Road Crossing DriveChesterfield, MO 63005