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Commerce Bank

IDRSSD: 49054
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q3

Per-quarter snapshot for 2024-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
82
/ 100
StrongAs of 2024-Q3QoQ -4

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

Quarterly Headline

2024-Q3

Bank #49054 2024-Q3 Vital Signs Score: 82/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (watch).

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

Top 3 Watch Items

  1. risk
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 122.3% (threshold 100%).
  2. watch
    Brokered deposits above 30%
    Liquidity — Brokered 44.4% of deposits (threshold 30%).

What changed this quarter

Compared to Q2 2024:
↓ -4 ptscomposite
  • Liquidity
    ↑ 0
  • Securities
    — —
  • Capitalization
    ↓ -1
  • Asset Quality
    ↓ -13
  • Reserves
    — —

The five pillars

Liquidity

WatchQoQ 0
45
Sub-score

Liquidity is deteriorating: brokered 44.4%, loans/deposits 122.3%, cash 3.4% of assets.

Cash / Assets
3.45%
Loans / Deposits
122.28%
Brokered %
44.41%

Watch Items

  • watchBrokered deposits above 30% — Brokered 44.4% of deposits (threshold 30%).
  • riskLoans / Deposits above 100% — Loans/Deposits 122.3% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.00%
No watch items at this period.

Capitalization

StrongQoQ -1
96
Sub-score

Capital position is strong: Tier 1 RBC 13.76%, CET1 13.76%, leverage 11.54%.

Tier 1 RBC
13.76%
CET1
13.76%
Leverage
11.54%
No watch items at this period.

Asset Quality

StableQoQ -13
76
Sub-score

Asset quality is stable: Adjusted NPL 0.74%, Texas Ratio 4.8%, NCO YTD 0.00%.

Adjusted NPL
0.74%
Govt-guarantees stripped
Texas Ratio
4.8%
NCO YTD
0.00%
30-89 PD
2.90%
Band 0.3% / 3.0%
90+ PD
0.70%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

Strong
100
Sub-score

Reserves are strong: ALLL 1.51% of loans, coverage 207.7%, true coverage 103.7%.

ALLL / Loans
1.51%
Coverage
207.7%
True Loss Coverage
103.7%
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: 2026-05-12 00:59:32 UTC