BlastPoint's Banking Scorecard
Commerce Bank & Trust
Micro
Specialty: Commercial
FL
FDIC cert 57429
Designations: ✓ Community bank
Winter Park, FL
2498
banks in Micro tier nationally
35 in FL
View Micro leaderboard (FL) →
Commerce Bank & Trust shows strong momentum with 1 strength and 9.9% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 18.12% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$188.9M
+9.9% YoY
+7.4% QoQ
|
-$28.6M |
$217.5M
+2.3% YoY
|
$4.1B
+13.2% YoY
|
$5.9B
+6.5% YoY
|
48% |
| Total Loans ? |
$122.1M
-0.2% YoY
-2.0% QoQ
|
-$17.1M |
$139.2M
+2.8% YoY
|
$2.9B
+14.7% YoY
|
$3.1B
+8.5% YoY
|
51% |
| Total Deposits ? |
$164.0M
+6.1% YoY
+9.7% QoQ
|
-$19.7M |
$183.7M
+1.8% YoY
|
$3.4B
+13.4% YoY
|
$4.7B
+6.3% YoY
|
49% |
| Return on Assets ? |
0.65%
+0.2% YoY
-14.7% QoQ
|
-0.44% |
1.08%
+14.7% YoY
|
1.01%
+12.7% YoY
|
1.12%
+15.6% YoY
|
25% |
| Net Interest Margin ? |
3.40%
+10.1% YoY
-2.2% QoQ
|
-0.46% |
3.85%
+6.6% YoY
|
3.69%
+4.1% YoY
|
3.75%
+7.1% YoY
|
29% |
| Efficiency Ratio ? |
76.07%
-3.5% YoY
-0.5% QoQ
|
+8.34% |
67.73%
-4.8% YoY
|
67.57%
-3.0% YoY
|
65.09%
-5.1% YoY
|
27% |
| Delinquency Rate ? |
2.35%
+15.9% QoQ
|
+1.71% |
0.64%
+24.4% YoY
|
0.34%
-31.5% YoY
|
0.66%
+20.3% YoY
|
Bottom 10% in tier |
| Loan-to-Deposit Ratio ? |
74.45%
-6.0% YoY
-10.7% QoQ
|
-0.08% |
74.53%
+0.5% YoY
|
76.49%
+0.5% YoY
|
78.04%
+0.7% YoY
|
53% |
| Non-Interest-Bearing Deposit Share ? |
40.51%
+20.2% YoY
+21.1% QoQ
|
+18.12% |
22.39%
-1.3% YoY
|
27.37%
-1.6% YoY
|
21.79%
-1.3% YoY
|
Top 6% in tier |
| Nonperforming Asset Ratio ? |
1.52%
+5.8% QoQ
|
+1.06% |
0.45%
+25.1% YoY
|
0.26%
-19.5% YoY
|
0.48%
+20.8% YoY
|
Bottom 11% in tier |
| Tier 1 Capital Ratio ? |
13.75%
+12.5% YoY
+3.5% QoQ
|
+4.90% |
8.85%
-3.4% YoY
|
11.37%
-0.5% YoY
|
9.75%
-1.9% YoY
|
67% |
| Non-Interest Income / Assets ? |
0.19%
-7.5% YoY
+26.0% QoQ
|
-0.37% |
0.56%
+0.3% YoY
|
0.85%
-7.6% YoY
|
0.65%
+0.6% YoY
|
23% |
Signature Analysis
Strengths (1)
Non-Interest-Bearing Deposit Share
metric
Top 6%
in Micro
Why this stands out
Current:
40.51%
(Tier avg: 22.39%, National avg: 21.79%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
94
94th pctile
Non-Interest-Bearing Deposit Share
Current: 40.51% · Tier avg: 22.39%
67
67th pctile
Tier 1 Capital Ratio
Current: 13.75% · Tier avg: 8.85%
53
53th pctile
Loan-to-Deposit Ratio
Current: 74.45% · Tier avg: 74.53%
51
51th pctile
Total Loans
Current: $122.1M · Tier avg: $139.2M
49
49th pctile
Total Deposits
Current: $164.0M · Tier avg: $183.7M
48
48th pctile
Total Assets
Current: $188.9M · Tier avg: $217.5M
29
29th pctile
Net Interest Margin
Current: 3.40% · Tier avg: 3.85%
27
27th pctile
Efficiency Ratio
Current: 76.07% · Tier avg: 67.73%
25
25th pctile
Return on Assets
Current: 0.65% · Tier avg: 1.08%
23
23th pctile
Non-Interest Income / Assets
Current: 0.19% · Tier avg: 0.56%
11
11th pctile
Nonperforming Asset Ratio
Current: 1.52% · Tier avg: 0.45%
10
10th pctile
Delinquency Rate
Current: 2.35% · Tier avg: 0.64%
Top Weaknesses
10
10th pctile
Delinquency Rate
Current: 2.35% · Tier avg: 0.64%
11
11th pctile
Nonperforming Asset Ratio
Current: 1.52% · Tier avg: 0.45%
23
23th pctile
Non-Interest Income / Assets
Current: 0.19% · Tier avg: 0.56%
25
25th pctile
Return on Assets
Current: 0.65% · Tier avg: 1.08%
27
27th pctile
Efficiency Ratio
Current: 76.07% · Tier avg: 67.73%
29
29th pctile
Net Interest Margin
Current: 3.40% · Tier avg: 3.85%
48
48th pctile
Total Assets
Current: $188.9M · Tier avg: $217.5M
49
49th pctile
Total Deposits
Current: $164.0M · Tier avg: $183.7M
51
51th pctile
Total Loans
Current: $122.1M · Tier avg: $139.2M
53
53th pctile
Loan-to-Deposit Ratio
Current: 74.45% · Tier avg: 74.53%
67
67th pctile
Tier 1 Capital Ratio
Current: 13.75% · Tier avg: 8.85%
94
94th pctile
Non-Interest-Bearing Deposit Share
Current: 40.51% · Tier avg: 22.39%