Commercial Bank
Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (2.5 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.3%, coupled with a return on assets of 0.2 has resulted in Weak (2.0) profitability.
Other Rating Factors:
A current level of 3.7 percent of nonperforming loans to core capital combined with 7.8 percent from a year earlier contributes to the Good asset quality (6.3). Good current capitalization (5.8 on a scale of 0 to 10) based on a risk-based capital ratio of 11.6 and a capital leverage ratio of 7.8.
Asset Mix:
Securities (28%), comm re (25%), comm loans (16%), home mtgs (14%), cash (4%), home eq lns (2%), consumer loans (2%), other (10%)
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
No affiliate information available.