Headquartered in Saint Louis, Missouri, Commercial Bank is a state-chartered bank with $282.9M in total assets and $246.5M in deposits as of Q2 2026. It operates 4 offices. Its charter dates back to 1988.
Based on its Q2 2026 filing, Commercial Bank scores 51/100, which we describe as below average. That is higher than only 8% of 2,650 banks with $100 million – $1 billion. Among 194 banks headquartered in Missouri, it ranks 180th. Its strongest component is problem-loan coverage (77/100; 11.3%), and its lowest is capital cushion (29/100; 7.93%).
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 2 points (53 → 51), mostly because the funding & liquidity component weakened by 9 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 55 |
| Q3 2024 | 55 |
| Q4 2024 | 56 |
| Q1 2025 | 55 |
| Q2 2025 | 53 |
| Q3 2025 | 54 |
| Q4 2025 | 51 |
| Q1 2026 | 51 |
| Q2 2026 | 51 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 7.54% |
| Q3 2024 | 7.52% |
| Q4 2024 | 7.64% |
| Q1 2025 | 7.75% |
| Q2 2025 | 7.73% |
| Q3 2025 | 7.87% |
| Q4 2025 | 7.89% |
| Q1 2026 | 7.95% |
| Q2 2026 | 7.93% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.52% |
| Q3 2024 | 0.50% |
| Q4 2024 | 0.42% |
| Q1 2025 | 0.51% |
| Q2 2025 | 0.74% |
| Q3 2025 | 0.68% |
| Q4 2025 | 0.98% |
| Q1 2026 | 1.00% |
| Q2 2026 | 1.00% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.22% |
| Q3 2024 | 0.22% |
| Q4 2024 | 0.26% |
| Q1 2025 | 0.25% |
| Q2 2025 | 0.28% |
| Q3 2025 | 0.34% |
| Q4 2025 | 0.37% |
| Q1 2026 | 0.39% |
| Q2 2026 | 0.46% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 51 | $282.9M | 7.93% | 1.00% | 0.46% | 79.5% |
| Q1 2026 | 51 | $277.5M | 7.95% | 1.00% | 0.39% | 77.3% |
| Q4 2025 | 51 | $278.1M | 7.89% | 0.98% | 0.37% | 76.4% |
| Q3 2025 | 54 | $275.2M | 7.87% | 0.68% | 0.34% | 73.1% |
| Q2 2025 | 53 | $285.4M | 7.73% | 0.74% | 0.28% | 71.0% |
| Q1 2025 | 55 | $280.7M | 7.75% | 0.51% | 0.25% | 70.3% |
| Q4 2024 | 56 | $270.4M | 7.64% | 0.42% | 0.26% | 69.2% |
| Q3 2024 | 55 | $281.7M | 7.52% | 0.50% | 0.22% | 66.4% |
| Q2 2024 | 55 | $281.3M | 7.54% | 0.52% | 0.22% | 65.1% |
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 Missouri
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Ozarks Federal Savings and Loan AssociationBank Farmington, MO | 76 out of 100, Strong | $277.2M | 15.1% | 0.95% | vs |
| United State BankBank Lewistown, MO | 80 out of 100, Strong | $290.1M | 10.5% | 0.07% | vs |
| Arlo BankBank Springfield, MO | 77 out of 100, Strong | $269.1M | 13.5% | 0.00% | vs |
| Lamar Bank and Trust CompanyBank Lamar, MO | 79 out of 100, Strong | $269.0M | 10.2% | 0.05% | vs |
| St. Johns Bank and Trust CompanyBank Saint Louis, MO | 47 out of 100, Below average | $297.1M | 12.3% | 3.28% | vs |
| Century Bank of the OzarksBank Gainesville, MO | 74 out of 100, Strong | $305.3M | 8.8% | 0.19% | vs |
Deposit insurance
Is my money safe at Commercial Bank?
Yes. Commercial Bank is an FDIC-insured institution (FDIC certificate #27409). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 28.2% of deposits ($69.4M) 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 7.93%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 11.95% (benchmark: 10%).
4 locations
Branches
Commercial Bank lists 4 offices in 3 cities. Most locations:
- Saint Louis, MO (2)
- Chesterfield, MO (1)
- Florissant, MO (1)
Identity & history
Profile
- Legal name
- Commercial Bank
- Former names
- Commercial Bank of West Port
- Type
- State-chartered bank
- FDIC certificate #
- 27409
- RSSD ID
- 1225752
- Primary regulator
- FDIC
- Holding company
- Commercial Bancshares Inc
- Established
- December 21, 1988
- Headquarters
- 2330 West Port Plaza Dr, Saint Louis, MO 63146
- Website
- www.mycbstl.bank
- Employees
- 37
Quick answers
Commercial Bank: common questions
Is Commercial Bank FDIC insured?
Yes. Commercial Bank is an FDIC-insured institution (FDIC certificate #27409). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Commercial Bank'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 Commercial Bank ever failed?
There is no failure record for FDIC certificate #27409 in the FDIC failed bank list.
How many branches does Commercial Bank have?
4 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Saint Louis
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Edward Jones Trust CompanyBank Saint Louis, MO | 94 out of 100, Very strong | $160.5M | 98.2% | 0.00% | vs |
| Lindell Bank & Trust CompanyBank St. Louis, MO | 92 out of 100, Very strong | $915.2M | 18.0% | 0.58% | vs |
| Co - Lib Credit UnionCredit union Saint Louis, MO | 91 out of 100, Very strong | $1.4M | 15.5% | 0.82% | vs |
| Bank of KampsvilleBank Kampsville, IL | 91 out of 100, Very strong | $134.1M | 17.4% | 0.01% | vs |
| State Employees Community Credit UnionCredit union Alton, IL | 89 out of 100, Very strong | $6.7M | 20.0% | 0.00% | vs |
| Division #6 Highway Credit UnionCredit union Chesterfield, MO | 88 out of 100, Very strong | $15.7M | 17.9% | 0.24% | vs |