Commerce Bank & Trust
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 (4.9 on a scale of 0 to 10). A current level of 12.7 percent of nonperforming loans to core capital contributes to the Fair asset quality (4.6).
Other Rating Factors:
Excellent current capitalization (9.1 on a scale of 0 to 10) based on a risk-based capital ratio of 14.5 and a capital leverage ratio of 10.4. Operating profits as a percentage of assets at 0.8%, coupled with a return on assets of 0.8 has resulted in Fair (3.3) profitability.
Asset Mix:
Comm re (39%), home mtgs (18%), securities (14%), cash (10%), comm loans (3%), home eq lns (3%), consumer loans (2%), other (11%)
States with Branches:
FL
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 National Bankshares of Florida, Inc.
Investment Rating
--
Address
1201 South Orlando Avenue
Winter Park, FL 32789
Winter Park, FL 32789
Phone Number
(407) 622-8181
Year Founded
2003
FDIC Number
Website
Largest Affiliates
No affiliate information available.