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.

From Q2 2025 to Q2 2026, the score fell 16 points (72 → 56), mostly because the earnings component weakened by 66 points.

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 Alabama

Yes. CommerceOne Bank is an FDIC-insured institution (FDIC certificate #59114). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 62.0% of deposits ($601.9M) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.01%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 12.89% (benchmark: 10%).

Check how much of your own balance is covered

CommerceOne Bank lists 2 offices in 2 cities. Most locations:

• Birmingham, AL (1)
• Mountain Brook, AL (1)

All branch addresses and map

In 2025, CommerceOne Bank reported 18 home-loan applications under HMDA (LEI 254900HHWJCW5OPA1I45): 18 originated ($8,890,000 total), 0 denied, and 0 withdrawn or closed by the applicant. Its denial rate on decided applications was 0.0%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Legal name

CommerceOne Bank

Type

State-chartered bank

FDIC certificate #

59114

RSSD ID

5227101

Primary regulator

FDIC

Holding company

Commerceone Financial Corp

Established

June 4, 2018

Headquarters

17 20th St N, Birmingham, AL 35203

Website

www.commerceonebank.com

Employees

57