BlastPoint's Banking Scorecard
Commerce Bank & Trust
Winter Park, FL
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 44 in FL.
- Deposits +18.2% year over year ($168.8M on the books).
- Delinquency rate 3.49%.
- Return on assets 0.91%.
- Efficiency ratio 71.42% vs a 64.48% peer average.
- Loan-to-deposit ratio 75.72% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Commerce Bank & Trust faces 5 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Delinquency Rate 2.58% above tier average
- - Nonperforming Asset Ratio 1.59% above tier average
- - ROA 0.41% below tier average
- - Net Interest Margin 0.66% below tier average
- - Efficiency Ratio 6.94% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$197.9M
+17.3% YoY
+10.4% QoQ
|
-$188.6M |
$386.6M
+1.2% YoY
|
$4.3B
+7.0% YoY
|
$6.3B
+7.7% YoY
|
26% |
| Total Loans ? |
$127.8M
+1.8% YoY
-0.7% QoQ
|
-$130.5M |
$258.3M
+1.7% YoY
|
$3.0B
+8.2% YoY
|
$3.2B
+9.4% YoY
|
28% |
| Total Deposits ? |
$168.8M
+18.2% YoY
+10.2% QoQ
|
-$158.0M |
$326.7M
+0.7% YoY
|
$3.5B
+7.0% YoY
|
$4.9B
+7.3% YoY
|
26% |
| Return on Assets ? |
0.91%
+9.0% YoY
+5.9% QoQ
|
-0.41% |
1.32%
+10.8% YoY
|
0.62%
-8.3% YoY
|
1.30%
+12.1% YoY
|
29% |
| Net Interest Margin ? |
3.33%
-7.0% YoY
-0.3% QoQ
|
-0.66% |
3.99%
+5.0% YoY
|
3.70%
+0.5% YoY
|
3.95%
+4.9% YoY
|
21% |
| Efficiency Ratio ? |
71.42%
-4.4% YoY
-2.2% QoQ
|
+6.94% |
64.48%
-3.2% YoY
|
199.20%
+161.3% YoY
|
70.05%
+2.5% YoY
|
27% |
| Delinquency Rate ? |
3.49%
+87.3% YoY
+57.1% QoQ
|
+2.58% |
0.92%
+15.7% YoY
|
0.61%
-2.0% YoY
|
0.98%
+16.3% YoY
|
Bottom 4.8% in tier |
| Loan-to-Deposit Ratio ? |
75.72%
-13.8% YoY
-9.9% QoQ
|
-2.23% |
77.95%
+1.0% YoY
|
72.91%
-1.7% YoY
|
79.03%
+2.3% YoY
|
58% |
| Non-Interest-Bearing Deposit Share ? |
26.30%
-7.2% YoY
-11.7% QoQ
|
+4.27% |
22.03%
-0.6% YoY
|
27.35%
-2.5% YoY
|
21.98%
-0.6% YoY
|
71% |
| Nonperforming Asset Ratio ? |
2.26%
+62.6% YoY
+41.3% QoQ
|
+1.59% |
0.67%
+16.4% YoY
|
0.42%
-2.6% YoY
|
0.69%
+15.8% YoY
|
Bottom 5.8% in tier |
| Tier 1 Capital Ratio ? |
14.13%
+9.1% YoY
+4.0% QoQ
|
-1.78% |
15.91%
+1.4% YoY
|
19.50%
+8.2% YoY
|
17.09%
+0.8% YoY
|
58% |
| Non-Interest Income / Assets ? |
0.07%
-27.3% YoY
+85.2% QoQ
|
-0.50% |
0.57%
+7.6% YoY
|
1.02%
+6.4% YoY
|
0.66%
+5.2% YoY
|
Bottom 10.0% in tier |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
26.3%
-2.0pp YoY -3.5pp QoQ |
+4.2pp | 22.1% | 27.7% | 22.2% | 71% |
| Brokered Deposits |
11.7%
+8.8pp QoQ |
+3.9pp | 7.9% | 8.7% | 8.5% | 79% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
7.2%
+2.2pp YoY 0.0pp QoQ |
-4.4pp | 11.6% | 12.9% | 12.5% | 34% |
| CRE |
59.8%
-6.8pp YoY +0.4pp QoQ |
+20.2pp | 39.5% | 50.6% | 41.4% | 84% |
| 1-4 Family |
29.3%
+2.4pp YoY -0.8pp QoQ |
-3.3pp | 32.6% | 30.7% | 31.3% | 50% |
| Consumer |
4.5%
+1.7pp YoY +0.1pp QoQ |
+0.3pp | 4.1% | 3.7% | 5.0% | 74% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
14.1%
+1.2pp YoY +0.6pp QoQ |
-4.7pp | 18.8% | 19.8% | 19.7% | 40% |
| Leverage Ratio |
10.5%
+0.2pp YoY +0.3pp QoQ |
-1.7pp | 12.2% | 13.9% | 12.6% | 40% |
| Total Capital Ratio |
15.4%
+1.2pp YoY +0.5pp QoQ |
-4.6pp | 19.9% | 21.1% | 20.8% | 42% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
19
-3 (-13.6%) YoY -2 (-9.5%) QoQ |
-40 | 58 | 295 | 482 | 9% |
| Assets per Employee ($) |
$10.4M
+35.8% YoY +22.0% QoQ |
+$2.9M | $7.5M | $10.3M | $8.8M | 88% |
| Branch Count |
1
0 YoY 0 QoQ |
-4 | 4 | 13 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.3% | 0.4% | n/a |
| Nonaccrual |
3.5%
+1.6pp YoY +1.3pp QoQ |
+2.6pp | 0.9% | 0.7% | 1.0% | 96% |
| Allowance Coverage |
0.46x
-40.4% YoY -35.5% QoQ |
-23.69x | 24.15x | 16.62x | 20.23x | 9% |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.1% | 0.2% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
12.1%
-0.1pp YoY +0.7pp QoQ |
-0.1pp | 12.2% | 9.3% | 11.6% | 50% |
| Cost of Funds (YTD) |
1.7%
-0.1pp YoY 0.0pp QoQ |
0.0pp | 1.7% | 1.8% | 1.7% | 51% |
| Net Income ($, YTD) |
$860,000
+20.8% YoY — QoQ |
-$1.7M | $2.6M | $25.2M | $40.4M | 22% |
Get Full Access to Commerce Bank & Trust
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
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.