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Commerce Bank

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

Vital Signs Report — 2025-Q4

Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
86
/ 100
StrongAs of 2025-Q4QoQ +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-Q4

Bank #49054 2025-Q4 Vital Signs Score: 86/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (watch).

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

Top 3 Watch Items

  1. risk
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 116.8% (threshold 100%).
  2. watch
    Brokered deposits above 30%
    Liquidity — Brokered 43.1% of deposits (threshold 30%).

What changed this quarter

Compared to Q3 2025:
↑ +7 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +27
  • Reserves
    ↑ +5

The five pillars

Liquidity

WatchQoQ -1
45
Sub-score

Liquidity is deteriorating: brokered 43.1%, loans/deposits 116.8%, cash 3.1% of assets.

Cash / Assets
3.08%
Loans / Deposits
116.77%
Brokered %
43.06%

Watch Items

  • watchBrokered deposits above 30% — Brokered 43.1% of deposits (threshold 30%).
  • riskLoans / Deposits above 100% — Loans/Deposits 116.8% (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 15.96%, CET1 15.96%, leverage 12.88%.

Tier 1 RBC
15.96%
CET1
15.96%
Leverage
12.88%
No watch items at this period.

Asset Quality

StrongQoQ +27
96
Sub-score

Asset quality is strong: Adjusted NPL 0.81%, Texas Ratio 4.6%, NCO YTD -0.01%.

Adjusted NPL
0.81%
Govt-guarantees stripped
Texas Ratio
4.6%
NCO YTD
-0.01%
30-89 PD
0.00%
Band 0.3% / 3.0%
90+ PD
0.21%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ +5
89
Sub-score

Reserves are strong: ALLL 1.70% of loans, coverage 212.8%, true coverage 76.3%.

ALLL / Loans
1.70%
Coverage
212.8%
True Loss Coverage
76.3%
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