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 (5.0 on a scale of 0 to 10). Good current capitalization (5.7 on a scale of 0 to 10) based on a risk-based capital ratio of 12.8 and a capital leverage ratio of 8.7.
Other Rating Factors:
A current level of 1.7 percent of nonperforming loans to core capital combined with 3.7 percent from a year earlier contributes to the Excellent asset quality (7.6). Operating profits as a percentage of assets at 1.6%, coupled with a return on assets of 1.5 has resulted in Good (5.9) profitability.
Asset Mix:
Comm re (28%), securities (20%), home mtgs (15%), comm loans (13%), cash (2%), home eq lns (2%), consumer loans (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
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