Institution Statistics
| County Commerce Bank | | FDIC Certificate # | 57423 | | BankRate Report | View | | Year Established | 2003 | | Employees | 26 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $187.45 million | | Loans | $103.36 million | | Deposits | $164.17 million | | Equity Capital | $16.57 million | | Loan Loss Allowance | $2.97 million |
Historic Data - March 2011 | | Assets | $172.46 million | | Equity Capital | $14.77 million | | Loan Loss Allowance | $2.75 million |
Profit Margin - Quarterly | | Net Interest Margin | 3.65% | | Return on Assets | 0.87% | | Return on Equity | 9.9% | | Interest Income | $1.78 million |
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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 County Commerce Bank had $0 in non-current loans and owned real-estate with $19.53 million in equity and loan loss allowances on hand to cover it. This gives County Commerce Bank a Texas Ratio of 0.00% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Deposit Growth | | | In the past year, County Commerce Bank has increased its total deposits by $11.48 million, resulting in 7.52% 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 County Commerce Bank has shown is excellent. | | 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. County Commerce Bank has $187.45 million in assets with $19.53 million in equity, resulting in a capitalization level of 10.42%, which is above average. |
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