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Commerce Bank

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

Vital Signs Report — 2025-Q3

Per-quarter snapshot for 2025-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
79
/ 100
StableAs of 2025-Q3QoQ -7

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

Quarterly Headline

2025-Q3

Bank #49054 2025-Q3 Vital Signs Score: 79/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (watch).

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

Top 3 Watch Items

  1. watch
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 113.9% (threshold 100%).
  2. watch
    Brokered deposits above 30%
    Liquidity — Brokered 42.2% of deposits (threshold 30%).
  3. info
    90+ days past due elevated
    Asset Quality — 90+ PD 1.11%.

What changed this quarter

Compared to Q2 2025:
↓ -7 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -23
  • Reserves
    ↓ -9

The five pillars

Liquidity

WatchQoQ +1
46
Sub-score

Liquidity is deteriorating: brokered 42.2%, loans/deposits 113.9%, cash 3.7% of assets.

Cash / Assets
3.66%
Loans / Deposits
113.86%
Brokered %
42.16%

Watch Items

  • watchBrokered deposits above 30% — Brokered 42.2% of deposits (threshold 30%).
  • watchLoans / Deposits above 100% — Loans/Deposits 113.9% (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

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 15.37%, CET1 15.37%, leverage 12.39%.

Tier 1 RBC
15.37%
CET1
15.37%
Leverage
12.39%
No watch items at this period.

Asset Quality

StableQoQ -23
69
Sub-score

Asset quality is stable: Adjusted NPL 1.14%, Texas Ratio 6.6%, NCO YTD -0.01%.

Adjusted NPL
1.14%
Govt-guarantees stripped
Texas Ratio
6.6%
NCO YTD
-0.01%
30-89 PD
3.67%
Band 0.3% / 3.0%
90+ PD
1.11%
Band 0.1% / 2.0%

Watch Items

  • info90+ days past due elevated — 90+ PD 1.11%.

Reserves

StrongQoQ -9
83
Sub-score

Reserves are strong: ALLL 1.66% of loans, coverage 148.2%, true coverage 89.2%.

ALLL / Loans
1.66%
Coverage
148.2%
True Loss Coverage
89.2%
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