TellerScore

Headquartered in Laredo, Texas, Commerce Bank is a state-chartered bank with $762.5M in total assets and $664.5M in deposits as of Q2 2026. It operates 3 offices. Its charter dates back to 1982.

Commerce Bank has a TellerScore of 87 out of 100 (very strong) based on Q2 2026 data — higher than 91% of its 2,650 banks with $100 million – $1 billion. Among 349 banks headquartered in Texas, it ranks 34th. Problem-loan coverage contributes the most (100/100, 0.1%); capital cushion contributes the least (73/100, 12.28%).

TellerScore · Q2 2026

Scorecard

Capital cushion73/100
Tier 1 leverage ratio: 12.28%
Loan quality99/100
Noncurrent loans ÷ total loans: 0.03%
Earnings92/100
Return on assets (annualized): 1.81%
Funding & liquidity80/100
Loans ÷ deposits and uninsured-deposit share: 28.9% · 33.1% uninsured
Problem-loan coverage100/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.07%

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 fell 4 points (91 → 87), mostly because the capital cushion component weakened by 18 points.

TellerScore
818895Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202495
Q3 202487
Q4 202491
Q1 202590
Q2 202591
Q3 202581
Q4 202585
Q1 202685
Q2 202687
Tier 1 leverage ratio
5.00%9.78%14.57%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202414.57%
Q3 202413.32%
Q4 202413.53%
Q1 202513.87%
Q2 202514.10%
Q3 202510.72%
Q4 202511.54%
Q1 202612.04%
Q2 202612.28%
Noncurrent loans
0.03%0.30%0.57%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.11%
Q3 20240.57%
Q4 20240.12%
Q1 20250.30%
Q2 20250.18%
Q3 20250.28%
Q4 20250.10%
Q1 20260.08%
Q2 20260.03%
Return on assets
1.75%1.96%2.17%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20242.17%
Q3 20242.13%
Q4 20242.12%
Q1 20251.91%
Q2 20251.86%
Q3 20251.96%
Q4 20251.93%
Q1 20261.75%
Q2 20261.81%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202687$762.5M12.28%0.03%1.81%28.9%
Q1 202685$738.5M12.04%0.08%1.75%26.1%
Q4 202585$736.9M11.54%0.10%1.93%23.7%
Q3 202581$736.5M10.72%0.28%1.96%23.6%
Q2 202591$763.1M14.10%0.18%1.86%23.4%
Q1 202590$754.4M13.87%0.30%1.91%23.2%
Q4 202491$745.1M13.53%0.12%2.12%22.8%
Q3 202487$733.6M13.32%0.57%2.13%24.2%
Q2 202495$702.6M14.57%0.11%2.17%25.7%

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).

Capital ratio12.28%
68th
Total risk-based capital30.73%
96th
Problem loans0.03%
82nd
Net charge-offs0.16%
15th
Return on assets1.81%
80th
Net interest margin2.94%
9th
Efficiency ratio34.3%
98th
Loans to deposits28.9%
98th
Uninsured deposits33.1%
21st
Loan-loss reserves1.54%
81st
Texas ratio0.1%
87th

Similar-size banks in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
First State BankBank Athens, TX74 out of 100, Strong$761.7M11.4%0.80%vs
Liberty Capital BankBank Addison, TX73 out of 100, Strong$767.9M10.9%0.07%vs
Sage Capital Bank,Bank Gonzales, TX76 out of 100, Strong$768.9M10.4%0.01%vs
Schertz Bank & TrustBank Schertz, TX90 out of 100, Very strong$770.1M15.2%0.05%vs
American Bank, National AssociationBank Dallas, TX77 out of 100, Strong$773.8M10.8%0.28%vs
Kleberg Bank, N.A.Bank Kingsville, TX70 out of 100, Strong$736.8M9.5%0.10%vs

Deposit insurance

Is my money safe at Commerce Bank?

Yes. Commerce Bank is an FDIC-insured institution (FDIC certificate #23772). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 33.1% of deposits ($219.8M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 12.28%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 30.73% (benchmark: 10%).

Check how much of your own balance is covered

3 locations

Branches

Commerce Bank lists 3 offices in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Commerce Bank
Former names
Commerce Bank, National Association
Type
State-chartered bank
FDIC certificate #
23772
RSSD ID
625159
Primary regulator
FDIC
Holding company
International Bancshares Corp
Established
March 31, 1982
Headquarters
5800 San Dario Ave, Laredo, TX 78041
Employees
45

Quick answers

Commerce Bank: common questions

Is Commerce Bank FDIC insured?

Yes. Commerce Bank is an FDIC-insured institution (FDIC certificate #23772). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Commerce Bank's TellerScore?

87 out of 100 (Very 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 #23772 in the FDIC failed bank list.

How many branches does Commerce Bank have?

3 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Laredo

InstitutionScoreAssetsCapitalProblem loansCompare
Falcon International BankBank Laredo, TX85 out of 100, Very strong$2.2B13.4%0.00%vs
Texas Community BankBank Laredo, TX84 out of 100, Strong$2.2B12.8%0.20%vs
South Texas Regional Federal Credit UnionCredit union Laredo, TX83 out of 100, Strong$5.7M15.5%0.15%vs
Laredo Federal Credit UnionCredit union Laredo, TX75 out of 100, Strong$136.6M11.3%0.35%vs
International Bank of CommerceBank Laredo, TX69 out of 100, Moderate$10.2B19.0%2.21%vs
First National Bank TexasBank Killeen, TX64 out of 100, Moderate$4.6B9.1%1.23%vs