Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.0 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.0%, coupled with a return on assets of 0.9 has resulted in Fair (3.6) profitability.
Other Rating Factors:
A current level of 2.5 percent of nonperforming loans to core capital combined with 9.9 percent from a year earlier contributes to the Excellent asset quality (7.4). Good current capitalization (5.1 on a scale of 0 to 10) based on a risk-based capital ratio of 13.3 and a capital leverage ratio of 8.4.
Asset Mix:
Comm re (26%), securities (24%), home mtgs (16%), comm loans (10%), consumer loans (3%), cash (2%), home eq lns (2%), other (18%)
States with Branches:
CO, KS
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
Commerce Bank and Trust Holding Company
Investment Rating
--
Address
3035 Southwest Topeka Boulevard
Topeka, KS 66611
Topeka, KS 66611
Phone Number
(785) 267-8900
Year Founded
1959
FDIC Number
Website
Largest Affiliates
No affiliate information available.