Commerce Bank & Trust
Winter Park, FL
IDRSSD: 3148613
Total Assets
$188.93M
Latest filing
Total Deposits
$163.98M
Latest filing
Net Interest Margin
3.23%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
2 routesView all→
063115408WINTER PARK, FL067012099BOCA RATON, FL
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Commerce Bank & Trust
1201 S Orlando Ave
Winter Park, FL 32789
Full Service - Brick and Mortar
Updated 01/30/2026Established 02/03/2003FDIC Certificate 363538
Branches (0)
Page 1 of 1| Name | Address | City / State | ||
|---|---|---|---|---|
| No branch data available. | ||||
| Commerce Bank & Trust (Main) | 1201 S Orlando Ave | Winter Park, FL | ||
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed member, supervised by FRB |
| Primary Regulator | FED |
| Established Date | 02/03/2003 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 32789 |
| State and County Number | 12095 |
| Subchapter S Corporations | Yes |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 06 |
| Numeric code | 13 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Atlanta |
| Core Based Statistical Area Name | Orlando-Kissimmee-Sanford, FL |
Operational Info
| Number of Employees | 21 |
| Domestic Offices | 1 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 02/03/2003 |
| Primary Insurance Agency | DIF |
| Website | www.cbt-fl.com |
| Data Updated | 01/30/2026 |
| CERT | 57429 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $188.93M |
| Total Deposits | $163.98M |
| Total Liabilities | $175.13M |
| Total Equity Capital | $13.80M |
| Net Income | $157.00k |
| Net Loans and Leases | $122.09M |
| Assets Per Employee ($Millions) | $8.59M |
| Bank Premises and Fixed Assets | $1.87M |
| Cash and Balances due from Depository Institutions | $33.91M |
| Deposits Held in Domestic Offices | $163.98M |
Key Performance Ratios
| Return on Assets (ROA) | 0.34% |
| Return on Equity (ROE) | 4.65% |
| Net Interest Margin | 3.23% |
| Efficiency Ratio | 75% |
| Tier 1 Risk-Based Capital Ratio | 13.752% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.47% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 7.304% |
| Earning Assets to total Assets | 94.44% |
Income and Expense
| Total Interest Income | $2.17M |
| Total Noninterest Income | $96.00k |
| Total Interest Expense | $775.00k |
| Total Noninterest Expense | $1.12M |
| Net Interest Income | $1.39M |
| Pre-tax Net Operating Income | $157.00k |
| Provision for Credit Losses | $215.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $4.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $4.50M |
| All Other Liabilities | $2.65M |
| Total Liabilities and Capital | $188.93M |
Securities
| Securities | $24.60M |
| Available-for-sale debt securities | $24.60M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Commerce Bank & Trust?
$188.93M as of the latest filing.
How much are Commerce Bank & Trust's total deposits?
$163.98M in total deposits.
Where is Commerce Bank & Trust located?
Winter Park, FL.
What is the Net Interest Margin?
3.23%.
How many domestic offices does it operate?
1.
When was it established?
02/03/2003.
What is the Return on Assets (ROA)?
0.34%.
How much are total loans and leases?
$122.09M (latest filing).
What is the total interest income (latest filing)?
$2.17M.