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Commerce Bank

IDRSSD: 49054
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
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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
70
/ 100
StableAs of 2026-Q1QoQ -16

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 #49054 2026-Q1 Vital Signs Score: 70/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    90+ days past due elevated
    Asset Quality — 90+ PD 2.55%.
  2. watch
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 112.9% (threshold 100%).
  3. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 38.4% (Adjusted NPL + Performing Mods denominator).

What changed this quarter

Compared to Q4 2025:
↓ -16 ptscomposite
  • Liquidity
    ↑ +4
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -38
  • Reserves
    ↓ -50

The five pillars

Liquidity

WatchQoQ +4
49
Sub-score

Liquidity is deteriorating: brokered 40.9%, loans/deposits 112.9%, cash 4.9% of assets.

Cash / Assets
4.85%
Loans / Deposits
112.88%
Brokered %
40.95%

Watch Items

  • watchBrokered deposits above 30% — Brokered 40.9% of deposits (threshold 30%).
  • watchLoans / Deposits above 100% — Loans/Deposits 112.9% (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 16.46%, CET1 16.46%, leverage 13.35%.

Tier 1 RBC
16.46%
CET1
16.46%
Leverage
13.35%
No watch items at this period.

Asset Quality

WatchQoQ -38
58
Sub-score

Asset quality is deteriorating: Adjusted NPL 3.16%, Texas Ratio 17.2%, NCO YTD -0.01%.

Adjusted NPL
3.16%
Govt-guarantees stripped
Texas Ratio
17.2%
NCO YTD
-0.01%
30-89 PD
0.52%
Band 0.3% / 3.0%
90+ PD
2.55%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 3.16% (govt-guarantees stripped).
  • risk90+ days past due elevated — 90+ PD 2.55%.

Reserves

RiskQoQ -50
39
Sub-score

Reserves are weak: ALLL 1.75% of loans, coverage 56.5%, true coverage 38.4%.

ALLL / Loans
1.75%
Coverage
56.5%
True Loss Coverage
38.4%

Watch Items

  • watchTrue Loss Coverage Ratio below 50% — True coverage 38.4% (Adjusted NPL + Performing Mods denominator).

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