Commercial Bank
Major Rating Factors:
A current level of 8.8 percent of nonperforming loans to core capital combined with 10.3 percent from a year earlier contributes to the Fair asset quality (4.9). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (2.6 on a scale of 0 to 10).
Other Rating Factors:
Good current capitalization (5.9 on a scale of 0 to 10) based on a risk-based capital ratio of 12.0 and a capital leverage ratio of 7.9. Weak liquidity 2.6, driven by a liquidity ratio of 10.0 percent and a “hot money” ratio of 21.3 percent.
Asset Mix:
Comm re (29%), securities (23%), home mtgs (18%), comm loans (14%), cash (3%), home eq lns (2%), consumer loans (2%), other (9%)
States with Branches:
MO
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
Commercial Bancshares, Inc.
Investment Rating
--
Address
2330 West Port Plaza Drive
Saint Louis, MO 63146
Saint Louis, MO 63146
Phone Number
(314) 434-4141
Year Founded
1988
FDIC Number
Website
Largest Affiliates
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