Headquartered in Stockdale, Texas, Commerce Bank Texas is a state-chartered bank with $60.6M in total assets and $51.9M in deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1932.
Commerce Bank Texas has a TellerScore of 51 out of 100 (below average) based on Q2 2026 data — higher than only 10% of its 546 banks with under $100 million in assets. Among 349 banks headquartered in Texas, it ranks 327th. Funding & liquidity contributes the most (99/100, 46% loans-to-deposits, 16% uninsured); loan quality contributes the least (12/100, 2.64%).
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 fell 17 points (68 → 51), mostly because the loan quality component weakened by 38 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 75 |
| Q3 2024 | 74 |
| Q4 2024 | 75 |
| Q1 2025 | 80 |
| Q2 2025 | 68 |
| Q3 2025 | 66 |
| Q4 2025 | 51 |
| Q1 2026 | 50 |
| Q2 2026 | 51 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 11.47% |
| Q3 2024 | 11.40% |
| Q4 2024 | 11.64% |
| Q1 2025 | 12.91% |
| Q2 2025 | 13.00% |
| Q3 2025 | 12.58% |
| Q4 2025 | 12.68% |
| Q1 2026 | 12.82% |
| Q2 2026 | 12.73% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 0.00% |
| Q4 2024 | 0.00% |
| Q1 2025 | 0.00% |
| Q2 2025 | 1.50% |
| Q3 2025 | 1.38% |
| Q4 2025 | 3.54% |
| Q1 2026 | 2.80% |
| Q2 2026 | 2.64% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.30% |
| Q3 2024 | 0.24% |
| Q4 2024 | 0.21% |
| Q1 2025 | 0.27% |
| Q2 2025 | 0.67% |
| Q3 2025 | 0.42% |
| Q4 2025 | 0.34% |
| Q1 2026 | -0.16% |
| Q2 2026 | -0.09% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 51 | $60.6M | 12.73% | 2.64% | -0.09% | 45.5% |
| Q1 2026 | 50 | $60.5M | 12.82% | 2.80% | -0.16% | 42.9% |
| Q4 2025 | 51 | $61.4M | 12.68% | 3.54% | 0.34% | 41.6% |
| Q3 2025 | 66 | $63.0M | 12.58% | 1.38% | 0.42% | 45.0% |
| Q2 2025 | 68 | $63.1M | 13.00% | 1.50% | 0.67% | 41.0% |
| Q1 2025 | 80 | $58.5M | 12.91% | 0.00% | 0.27% | 48.7% |
| Q4 2024 | 75 | $61.7M | 11.64% | 0.00% | 0.21% | 56.1% |
| Q3 2024 | 74 | $66.9M | 11.40% | 0.00% | 0.24% | 66.2% |
| Q2 2024 | 75 | $66.1M | 11.47% | 0.00% | 0.30% | 68.1% |
546 peers · Under $100 million in assets
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 Texas
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| City National BankBank Corsicana, TX | 54 out of 100, Below average | $62.0M | 13.5% | 2.65% | vs |
| Producer Bank of TexasBank Powell, TX | 73 out of 100, Strong | $58.7M | 18.6% | 0.58% | vs |
| First State BankBank Junction, TX | 78 out of 100, Strong | $58.2M | 10.6% | 0.37% | vs |
| Kress National BankBank Kress, TX | 76 out of 100, Strong | $63.7M | 9.6% | 0.00% | vs |
| Crowell State BankBank Crowell, TX | 79 out of 100, Strong | $57.5M | 11.0% | 0.89% | vs |
| The First National Bank in CooperBank Cooper, TX | 72 out of 100, Strong | $57.3M | 13.1% | 1.44% | vs |
Deposit insurance
Is my money safe at Commerce Bank Texas?
Yes. Commerce Bank Texas is an FDIC-insured institution (FDIC certificate #15346). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 15.9% of deposits ($8.2M) are above the $250,000 FDIC insurance limit, close to the peer median of 16%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 12.73%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
2 locations
Branches
Commerce Bank Texas lists 2 offices in 2 cities. Most locations:
- San Antonio, TX (1)
- Stockdale, TX (1)
Identity & history
Profile
- Legal name
- Commerce Bank Texas
- Former names
- Security State Bank
- Type
- State-chartered bank
- FDIC certificate #
- 15346
- RSSD ID
- 174367
- Primary regulator
- FDIC
- Holding company
- Commerce Financial Corp
- Established
- February 1, 1932
- Headquarters
- 112 Fordtran St, Stockdale, TX 78160
- Website
- www.commercebanktx.com
- Employees
- 8
Quick answers
Commerce Bank Texas: common questions
Is Commerce Bank Texas FDIC insured?
Yes. Commerce Bank Texas is an FDIC-insured institution (FDIC certificate #15346). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Commerce Bank Texas's TellerScore?
51 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 Texas ever failed?
There is no failure record for FDIC certificate #15346 in the FDIC failed bank list.
How many branches does Commerce Bank Texas have?
2 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Stockdale
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| SouthTrust Bank, N.A.Bank George West, TX | 79 out of 100, Strong | $578.8M | 12.5% | 0.27% | vs |
| Randolph-Brooks Federal Credit UnionCredit union Universal City, TX | 76 out of 100, Strong | $19.6B | 13.4% | 1.27% | vs |
| Third Coast BankBank Humble, TX | 71 out of 100, Strong | $6.7B | 11.4% | 0.50% | vs |
| Prosperity BankBank El Campo, TX | 71 out of 100, Strong | $43.9B | 10.6% | 0.48% | vs |
| The Falls City National BankBank Falls City, TX | 69 out of 100, Moderate | $597.1M | 16.3% | 3.22% | vs |
| Firstmark Credit UnionCredit union San Antonio, TX | 65 out of 100, Moderate | $1.3B | 9.6% | 0.70% | vs |