TellerScore

Commerce Bank & Trust is a state-chartered bank (fed member) headquartered in Winter Park, Florida, in business for about 23 years. At the end of Q2 2026 it reported $197.9M in total assets and $168.8M in deposits, with 1 office.

Commerce Bank & Trust has a TellerScore of 44 out of 100 (below average) based on Q2 2026 data — higher than only 4% of its 2,650 banks with $100 million – $1 billion. Among 82 banks headquartered in Florida, it ranks 79th. Funding & liquidity contributes the most (77/100, 76% loans-to-deposits, 22% uninsured); loan quality contributes the least (0/100, 3.44%).

TellerScore · Q2 2026

Scorecard

Capital cushion55/100
Tier 1 leverage ratio: 10.46%
Loan quality0/100
Noncurrent loans ÷ total loans: 3.44%
Earnings56/100
Return on assets (annualized): 0.91%
Funding & liquidity77/100
Loans ÷ deposits and uninsured-deposit share: 75.7% · 22.3% uninsured
Problem-loan coverage47/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 26.47%

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 8 points (52 → 44), mostly because the loan quality component weakened by 39 points.

TellerScore
445769Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202464
Q3 202466
Q4 202466
Q1 202569
Q2 202552
Q3 202551
Q4 202547
Q1 202649
Q2 202644
Tier 1 leverage ratio
5.00%7.74%10.48%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20248.68%
Q3 20249.09%
Q4 20249.15%
Q1 20259.98%
Q2 202510.26%
Q3 202510.41%
Q4 202510.48%
Q1 202610.17%
Q2 202610.46%
Noncurrent loans
0.00%1.72%3.44%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.00%
Q3 20240.00%
Q4 20240.00%
Q1 20250.00%
Q2 20251.84%
Q3 20251.99%
Q4 20252.31%
Q1 20262.19%
Q2 20263.44%
Return on assets
0.57%0.74%0.91%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.57%
Q3 20240.64%
Q4 20240.65%
Q1 20250.83%
Q2 20250.84%
Q3 20250.76%
Q4 20250.65%
Q1 20260.86%
Q2 20260.91%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202644$197.9M10.46%3.44%0.91%75.7%
Q1 202649$179.3M10.17%2.19%0.86%84.1%
Q4 202547$188.9M10.48%2.31%0.65%74.5%
Q3 202551$176.0M10.41%1.99%0.76%83.4%
Q2 202552$168.7M10.26%1.84%0.84%87.9%
Q1 202569$170.3M9.98%0.00%0.83%82.1%
Q4 202466$171.9M9.15%0.00%0.65%79.2%
Q3 202466$172.4M9.09%0.00%0.64%80.7%
Q2 202464$173.1M8.68%0.00%0.57%78.8%

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 ratio10.46%
40th
Total risk-based capital15.38%
70th
Problem loans3.44%
5th
Net charge-offs0.00%
68th
Return on assets0.91%
29th
Net interest margin3.33%
21st
Efficiency ratio71.4%
27th
Loans to deposits75.7%
58th
Uninsured deposits22.3%
56th
Loan-loss reserves1.60%
84th
Texas ratio26.5%
3rd

Similar-size banks in Florida

InstitutionScoreAssetsCapitalProblem loansCompare
Gulf Coast Business BankBank Fort Myers, FL70 out of 100, Strong$186.6M12.5%0.00%vs
Madison County Community BankBank Madison, FL66 out of 100, Moderate$211.7M8.4%0.30%vs
Surety BankBank Deland, FL90 out of 100, Very strong$213.7M13.2%0.22%vs
The Warrington BankBank Pensacola, FL88 out of 100, Very strong$173.9M16.7%0.00%vs
Bank of Belle GladeBank Belle Glade, FL72 out of 100, Strong$160.1M10.2%0.00%vs
PNB Community BankBank Niceville, FL75 out of 100, Strong$155.2M10.3%0.04%vs

Deposit insurance

Is my money safe at Commerce Bank & Trust?

Yes. Commerce Bank & Trust is an FDIC-insured institution (FDIC certificate #57429). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 22.3% of deposits ($37.6M) are above the $250,000 FDIC insurance limit, close to the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.46%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 15.38% (benchmark: 10%).

Check how much of your own balance is covered

1 location

Branches

Commerce Bank & Trust lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Commerce Bank & Trust
Former names
Commerce National Bank & Trust; Commerce National Bank of Florida
Type
State-chartered bank (Fed member)
FDIC certificate #
57429
RSSD ID
3148613
Primary regulator
FED
Holding company
Commerce Natl Bankshares Fl
Established
February 3, 2003
Headquarters
1201 S Orlando Ave, Winter Park, FL 32789
Employees
19

Quick answers

Commerce Bank & Trust: common questions

Is Commerce Bank & Trust FDIC insured?

Yes. Commerce Bank & Trust is an FDIC-insured institution (FDIC certificate #57429). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Commerce Bank & Trust's TellerScore?

44 out of 100 (Below average), 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 & Trust ever failed?

There is no failure record for FDIC certificate #57429 in the FDIC failed bank list.

How many branches does Commerce Bank & Trust have?

1 office as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Winter Park

InstitutionScoreAssetsCapitalProblem loansCompare
Community Credit UnionCredit union New Rockford, ND95 out of 100, Very strong$171.6M17.7%0.22%vs
Local 606 Electrical Workers Federal Credit UnionCredit union Orlando, FL89 out of 100, Very strong$5.5M24.2%0.00%vs
Portrait BankBank Winter Park, FL79 out of 100, Strong$44.7M99.2%0.00%vs
Cypress Bank & TrustBank Melbourne, FL79 out of 100, Strong$256.8M11.8%0.00%vs
Centennial BankBank Conway, AR79 out of 100, Strong$24.6B12.6%0.55%vs
First Colony Bank of FloridaBank Maitland, FL79 out of 100, Strong$291.1M9.9%0.17%vs