BlastPoint's Banking Scorecard
Commerce Bank & Trust
Winter Park, FL
Commerce Bank & Trust faces 4 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - ROA 0.41% below tier average
- - Net Interest Margin 0.59% below tier average
- - Efficiency Ratio 7.73% above tier average
- - Delinquency Rate 1.34% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$179.3M
+5.3% YoY
-5.1% QoQ
|
-$206.8M |
$386.1M
+0.5% YoY
|
$4.3B
+10.8% YoY
|
$6.2B
+9.1% YoY
|
21% |
| Total Loans ? |
$128.7M
+3.3% YoY
+5.4% QoQ
|
-$127.0M |
$255.7M
+1.1% YoY
|
$3.0B
+12.4% YoY
|
$3.2B
+10.8% YoY
|
29% |
| Total Deposits ? |
$153.1M
+0.9% YoY
-6.6% QoQ
|
-$174.8M |
$328.0M
+0.1% YoY
|
$3.6B
+11.7% YoY
|
$4.8B
+8.2% YoY
|
22% |
| Return on Assets ? |
0.86%
+3.7% YoY
+32.8% QoQ
|
-0.41% |
1.27%
+12.9% YoY
|
0.83%
+61.5% YoY
|
1.23%
+13.4% YoY
|
29% |
| Net Interest Margin ? |
3.34%
-4.4% YoY
-1.7% QoQ
|
-0.59% |
3.93%
+6.0% YoY
|
3.75%
+4.2% YoY
|
3.89%
+5.7% YoY
|
23% |
| Efficiency Ratio ? |
73.02%
-1.9% YoY
-4.0% QoQ
|
+7.73% |
65.29%
-4.5% YoY
|
71.93%
-25.2% YoY
|
66.95%
-4.1% YoY
|
26% |
| Delinquency Rate ? |
2.22%
-5.2% QoQ
|
+1.34% |
0.89%
+18.8% YoY
|
0.63%
-5.7% YoY
|
0.95%
+18.8% YoY
|
Bottom 10.4% in tier |
| Loan-to-Deposit Ratio ? |
84.06%
+2.4% YoY
+12.9% QoQ
|
+7.42% |
76.64%
+0.8% YoY
|
73.79%
+1.2% YoY
|
76.70%
+0.9% YoY
|
37% |
| Non-Interest-Bearing Deposit Share ? |
29.79%
-27.6% YoY
-26.5% QoQ
|
+7.77% |
22.02%
-1.0% YoY
|
27.22%
-2.5% YoY
|
22.01%
-1.2% YoY
|
81% |
| Nonperforming Asset Ratio ? |
1.60%
+5.4% QoQ
|
+0.96% |
0.64%
+19.7% YoY
|
0.43%
-5.1% YoY
|
0.67%
+19.3% YoY
|
Bottom 10.4% in tier |
| Tier 1 Capital Ratio ? |
13.58%
+6.4% YoY
-1.3% QoQ
|
-2.25% |
15.83%
+1.5% YoY
|
16.64%
-24.7% YoY
|
17.06%
+0.8% YoY
|
53% |
| Non-Interest Income / Assets ? |
0.04%
-29.1% YoY
-80.5% QoQ
|
-0.24% |
0.28%
+9.3% YoY
|
0.50%
+7.6% YoY
|
0.32%
+4.1% YoY
|
Bottom 12.2% in tier |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.