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Commerce Bank & Trust
Winter Park, FL · FDIC Certificate #57429 · Chartered 02/0
Total assets
$197.94M
Total deposits
$168.77M
Total equity
$14.80M
Net loans
$127.80M
Branches (offices)
1
Net income (YTD)
$860.00K
Rank: #2,990 of 4,213 U.S. banks by assets · #68 of 81 in Florida. Assets changed 17.3% and deposits 18.2% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.91% |
| Return on equity | 12.14% |
| Net interest margin (YTD) | 3.33% |
| Equity to assets | 7.48% |
| Tier 1 leverage ratio | 10.46% |
| Uninsured deposits (share of deposits) | 22.3% |
| Noncurrent loans (share of loans) | 3.44% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 75.7% |
| Real estate loans (share of loans) | 90.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $115.26M | 90.2% | |
| Commercial & industrial | $9.15M | 7.2% | |
| Consumer / individual | $5.70M | 4.5% | |
| Construction & development | $7.21M | 5.6% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $173.87M | $161.74M | $536.00K | $9.58M |
| Jun 2023 | $169.06M | $153.03M | $482.00K | $9.49M |
| Jun 2024 | $173.13M | $155.30M | $489.00K | $9.98M |
| Jun 2025 | $168.74M | $142.83M | $712.00K | $12.30M |
| Jun 2026 | $197.94M | $168.77M | $860.00K | $14.80M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Florida | $168.77M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $168.77M.
Similar-sized banks
Vermilion Valley Bank ($198.17M) · Harpeth Bank & Trust ($197.75M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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