CommerceOne Bank
Birmingham, AL
IDRSSD: 5227101
Total Assets
$838.99M
Latest filing
Total Deposits
$743.38M
Latest filing
Net Interest Margin
3.80%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
CommerceOne Bank
17 20th St N
Birmingham, AL 35203
Full Service - Brick and Mortar
Updated 11/14/2025Established 06/04/2018FDIC Certificate 593146
Branches (1)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| CommerceOne Bank (Main) | 17 20th St N | Birmingham, AL |
| MOUNTAIN BROOK BRANCH | 2701 Cahaba Rd | Mountain Brook, AL |
Showing 1 of 1
Quarterly Trends
Tooltip shows Quarter only. Download buttons export the chart only (CSV/PNG with white background).
Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 06/04/2018 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 35203 |
| State and County Number | 01073 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 06 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Atlanta |
| Core Based Statistical Area Name | Birmingham-Hoover, AL |
Operational Info
| Number of Employees | 49 |
| Domestic Offices | 1 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 09/22/2025 |
| Date of Deposit Insurance | 06/04/2018 |
| Primary Insurance Agency | DIF |
| Website | www.commerceonebank.com |
| Data Updated | 11/14/2025 |
| CERT | 59114 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $838.99M |
| Total Deposits | $743.38M |
| Total Liabilities | $755.39M |
| Total Equity Capital | $83.60M |
| Net Income | $3.46M |
| Net Loans and Leases | $684.17M |
| Assets Per Employee ($Millions) | $16.13M |
| Bank Premises and Fixed Assets | $1.82M |
| Cash and Balances due from Depository Institutions | $98.18M |
| Deposits Held in Domestic Offices | $743.38M |
Key Performance Ratios
| Return on Assets (ROA) | 1.73% |
| Return on Equity (ROE) | 16.98% |
| Net Interest Margin | 3.8% |
| Efficiency Ratio | 40% |
| Tier 1 Risk-Based Capital Ratio | 11.802% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.16% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.964% |
| Earning Assets to total Assets | 97.72% |
Income and Expense
| Total Interest Income | $12.62M |
| Total Noninterest Income | $762.00k |
| Total Interest Expense | $5.16M |
| Total Noninterest Expense | $3.29M |
| Net Interest Income | $7.46M |
| Pre-tax Net Operating Income | $4.60M |
| Provision for Credit Losses | $326.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $10.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $2.01M |
| Total Liabilities and Capital | $838.99M |
Securities
| Securities | $45.80M |
| Available-for-sale debt securities | $45.80M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of CommerceOne Bank?
$838.99M as of the latest filing.
How much are CommerceOne Bank's total deposits?
$743.38M in total deposits.
Where is CommerceOne Bank located?
Birmingham, AL.
What is the Net Interest Margin?
3.80%.
How many domestic offices does it operate?
1.
When was it established?
06/04/2018.
What is the Return on Assets (ROA)?
1.73%.
How much are total loans and leases?
$684.17M (latest filing).
What is the total interest income (latest filing)?
$12.62M.