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Commerce Bank

IDRSSD: 625159
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
96
/ 100
StrongAs of 2025-Q3QoQ +1

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 #625159 2025-Q3 Vital Signs Score: 96/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (strong).

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

Top 3 Watch Items

  1. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.01% of assets (threshold 3%).

What changed this quarter

Compared to Q2 2025:
↑ +1 ptscomposite
  • Liquidity
    ↓ 0
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +3
  • Reserves
    — —

The five pillars

Liquidity

StrongQoQ 0
80
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 23.6%, cash 1.0% of assets.

Cash / Assets
1.01%
Loans / Deposits
23.55%
Brokered %
0.00%

Watch Items

  • watchCash / Assets below 3% — Cash 1.01% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.02%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 29.94%, CET1 29.94%, leverage 10.62%.

Tier 1 RBC
29.94%
CET1
29.94%
Leverage
10.62%
No watch items at this period.

Asset Quality

StrongQoQ +3
98
Sub-score

Asset quality is strong: Adjusted NPL 0.28%, Texas Ratio 0.5%, NCO YTD -0.05%.

Adjusted NPL
0.28%
Govt-guarantees stripped
Texas Ratio
0.5%
NCO YTD
-0.05%
30-89 PD
0.19%
Band 0.3% / 3.0%
90+ PD
0.28%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

Strong
100
Sub-score

Reserves are strong: ALLL 1.78% of loans, coverage 643.2%, true coverage 612.4%.

ALLL / Loans
1.78%
Coverage
643.2%
True Loss Coverage
612.4%
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: 2026-05-13 17:24:11 UTC