Commerce Bank is a state-chartered bank headquartered in Geneva, Minnesota, in business for about 111 years. At the end of Q2 2026 it reported $220.0M in total assets and $156.8M in deposits, with 2 offices.
Based on its Q2 2026 filing, Commerce Bank scores 78/100, which we describe as strong. That is higher than 72% of 2,650 banks with $100 million – $1 billion. Among 223 banks headquartered in Minnesota, it ranks 44th. Its strongest component is problem-loan coverage (93/100; 3.5%), and its lowest is funding & liquidity (50/100; 117% loans-to-deposits, 15% uninsured).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 10 points (68 → 78), mostly because the earnings component improved by 17 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 71 |
| Q3 2024 | 65 |
| Q4 2024 | 73 |
| Q1 2025 | 73 |
| Q2 2025 | 68 |
| Q3 2025 | 65 |
| Q4 2025 | 71 |
| Q1 2026 | 54 |
| Q2 2026 | 78 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 11.66% |
| Q3 2024 | 11.55% |
| Q4 2024 | 11.88% |
| Q1 2025 | 12.21% |
| Q2 2025 | 12.32% |
| Q3 2025 | 12.40% |
| Q4 2025 | 12.89% |
| Q1 2026 | 13.35% |
| Q2 2026 | 13.87% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.21% |
| Q3 2024 | 0.73% |
| Q4 2024 | 0.04% |
| Q1 2025 | 0.18% |
| Q2 2025 | 0.78% |
| Q3 2025 | 1.12% |
| Q4 2025 | 0.80% |
| Q1 2026 | 3.10% |
| Q2 2026 | 0.60% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.76% |
| Q3 2024 | 0.79% |
| Q4 2024 | 0.83% |
| Q1 2025 | 0.86% |
| Q2 2025 | 0.88% |
| Q3 2025 | 0.92% |
| Q4 2025 | 1.02% |
| Q1 2026 | 1.31% |
| Q2 2026 | 1.30% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 78 | $220.0M | 13.87% | 0.60% | 1.30% | 117.3% |
| Q1 2026 | 54 | $226.8M | 13.35% | 3.10% | 1.31% | 112.9% |
| Q4 2025 | 71 | $229.8M | 12.89% | 0.80% | 1.02% | 116.8% |
| Q3 2025 | 65 | $240.4M | 12.40% | 1.12% | 0.92% | 113.9% |
| Q2 2025 | 68 | $246.0M | 12.32% | 0.78% | 0.88% | 112.2% |
| Q1 2025 | 73 | $246.4M | 12.21% | 0.18% | 0.86% | 115.6% |
| Q4 2024 | 73 | $249.1M | 11.88% | 0.04% | 0.83% | 119.9% |
| Q3 2024 | 65 | $263.1M | 11.55% | 0.73% | 0.79% | 122.3% |
| Q2 2024 | 71 | $258.3M | 11.66% | 0.21% | 0.76% | 121.1% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Minnesota
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Home State BankBank Litchfield, MN | 83 out of 100, Strong | $218.9M | 11.8% | 0.08% | vs |
| Lakeview BankBank Lakeville, MN | 58 out of 100, Moderate | $218.3M | 8.9% | 1.00% | vs |
| Eagle BankBank Glenwood, MN | 89 out of 100, Very strong | $226.9M | 14.3% | 0.58% | vs |
| F & M Community Bank, National AssociationBank Preston, MN | 74 out of 100, Strong | $211.1M | 9.9% | 0.00% | vs |
| The Wanda State BankBank Wanda, MN | 71 out of 100, Strong | $229.8M | 12.1% | 1.12% | vs |
| ESB BankBank Caledonia, MN | 65 out of 100, Moderate | $208.9M | 9.2% | 0.87% | vs |
Deposit insurance
Is my money safe at Commerce Bank?
Yes. Commerce Bank is an FDIC-insured institution (FDIC certificate #10212). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 15.4% of deposits ($24.1M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 13.87%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 18.37% (benchmark: 10%).
2 locations
Branches
Commerce Bank lists 2 offices in 2 cities. Most locations:
- Edina, MN (1)
- Geneva, MN (1)
Identity & history
Profile
- Legal name
- Commerce Bank
- Former names
- Geneva State Bank
- Type
- State-chartered bank
- FDIC certificate #
- 10212
- RSSD ID
- 49054
- Primary regulator
- FDIC
- Holding company
- Commerce Bancshares Inc
- Established
- January 1, 1915
- Headquarters
- 101 Central Ave S, Geneva, MN 56035
- Website
- www.cbmn.bank
- Employees
- 11
Quick answers
Commerce Bank: common questions
Is Commerce Bank FDIC insured?
Yes. Commerce Bank is an FDIC-insured institution (FDIC certificate #10212). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Commerce Bank's TellerScore?
78 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Commerce Bank ever failed?
There is no failure record for FDIC certificate #10212 in the FDIC failed bank list.
How many branches does Commerce Bank have?
2 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Geneva
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Austin City Employees Credit UnionCredit union Austin, MN | 97 out of 100, Very strong | $11.6M | 19.1% | 0.00% | vs |
| Mower County Employees Credit UnionCredit union Austin, MN | 90 out of 100, Very strong | $13.4M | 14.7% | 0.17% | vs |
| Arcadian BankBank Hartland, MN | 85 out of 100, Very strong | $242.1M | 12.0% | 0.10% | vs |
| Trades & Labor Federal Credit UnionCredit union Albert Lea, MN | 85 out of 100, Very strong | $23.0M | 15.3% | 1.04% | vs |
| Federated Employees Credit UnionCredit union Owatonna, MN | 82 out of 100, Strong | $66.7M | 13.2% | 0.19% | vs |
| Premier Bank MinnesotaBank Hastings, MN | 77 out of 100, Strong | $691.5M | 10.0% | 0.04% | vs |