Visbanking Logo
Skip to main content

Commerce Bank And Trust

IDRSSD: 3148613
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2026-Q1

Per-quarter snapshot for 2026-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
87
/ 100
StrongAs of 2026-Q1QoQ -1

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2026-Q1

Bank #3148613 2026-Q1 Vital Signs Score: 87/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

Liquidity:Strong
Securities:Strong
Capitalization:Strong
Asset Quality:Strong
Reserves:Watch

Top 3 Watch Items

  1. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.22% (govt-guarantees stripped).

What changed this quarter

Compared to Q4 2025:
↓ -1 ptscomposite
  • Liquidity
    ↓ -7
  • Securities
    — —
  • Capitalization
    ↓ -1
  • Asset Quality
    ↑ +1
  • Reserves
    ↑ 0

The five pillars

Liquidity

StrongQoQ -7
91
Sub-score

Liquidity is strong: brokered 3.0%, loans/deposits 84.1%, cash 11.0% of assets.

Cash / Assets
10.98%
Loans / Deposits
84.06%
Brokered %
2.99%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.5% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.54%
No watch items at this period.

Capitalization

StrongQoQ -1
94
Sub-score

Capital position is strong: Tier 1 RBC 13.58%, CET1 13.58%, leverage 10.17%.

Tier 1 RBC
13.58%
CET1
13.58%
Leverage
10.17%
No watch items at this period.

Asset Quality

StrongQoQ +1
85
Sub-score

Asset quality is strong: Adjusted NPL 2.22%, Texas Ratio 13.8%, NCO YTD 0.00%.

Adjusted NPL
2.22%
Govt-guarantees stripped
Texas Ratio
13.8%
NCO YTD
0.00%
30-89 PD
0.00%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.22% (govt-guarantees stripped).

Reserves

WatchQoQ 0
58
Sub-score

Reserves are deteriorating: ALLL 1.58% of loans, coverage 72.0%, true coverage 72.0%.

ALLL / Loans
1.58%
Coverage
72.0%
True Loss Coverage
72.0%
No watch items at this period.

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-14 03:41:56 UTC