# COMMERCE BANK
GENEVA, MN · FDIC certificate 10212 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 5 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $220.0M | |
| Deposits | $156.8M | |
| Loans and leases | $187.3M | |
| Total equity | $29.1M | |
| Loans / deposits | 117.30% (p98 of band) | 73.59% |
| Liquid assets / assets | 14.63% (p11 of band) | |
| Uninsured deposits / deposits | 15.35% (p33 of band) | 19.81% |
| Brokered deposits | 26.38% | |
| Wholesale funding | 41.21% (p100 of band) | |
| FHLB advances / assets | 14.82% | |
| Tier 1 leverage | 13.87% (p70 of band) | 11.76% |
| Unrealized securities loss / equity | -7.86% (p46 of band) | -6.57% |
| AOCI / equity | -0.46% (p46 of band) | |
| ROA (annualized) | 1.30% (p58 of band) | 1.17% |
| Net interest margin | 2.99% (p12 of band) | 3.93% |
| Efficiency ratio | 50.78% (p15 of band) | |
| Noncurrent loans | 0.60% (p59 of band) | 0.36% |
| Net charge-offs (annualized) | -0.01% (p13 of band) | |
| Reserve coverage of noncurrent | 295.31% | |
| Real estate % of loans | 89% | |
| Construction % of loans | 9.36% (p37 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -13.1% | |
| Employees | 11 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 7 | brokered >10%, wholesale funding >15%, losing money, expense ratio p90, charge-offs p90, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 7 | noncurrent p90 | expense ratio p90 |
| 2011-09 | 5 |  | charge-offs p90, construction >100% equity |
| 2011-12 | 7 | charge-offs p90, construction >100% equity |  |
| 2012-03 | 8 | deposits shrinking, assets shrinking | losing money |
| 2012-06 | 7 |  | construction >100% equity |
| 2012-09 | 8 | uninsured deposits leaving |  |
| 2012-12 | 7 |  | uninsured deposits leaving |
| 2013-03 | 6 |  | charge-offs p90 |
| 2013-06 | 6 |  |  |
| 2013-09 | 6 |  |  |
| 2013-12 | 6 |  |  |
| 2014-03 | 5 | charge-offs p90 | deposits shrinking, assets shrinking |
| 2014-06 | 4 |  | charge-offs p90 |
| 2014-09 | 4 | capital falling | noncurrent p90 |
| 2014-12 | 5 | noncurrent p90 |  |
| 2015-03 | 4 | charge-offs p90 | capital falling, noncurrent p90 |
| 2015-06 | 4 |  |  |
| 2015-09 | 5 | capital falling |  |
| 2015-12 | 5 |  |  |
| 2016-03 | 4 | loans exceed deposits | charge-offs p90, capital falling |
| 2016-06 | 6 | deposits shrinking, assets shrinking, uninsured deposits leaving | reserve under noncurrent |
| 2016-09 | 5 |  | assets shrinking |
| 2016-12 | 5 | capital falling, reserve under noncurrent | deposits shrinking, uninsured deposits leaving |
| 2017-03 | 3 |  | capital falling, reserve under noncurrent |
| 2017-06 | 3 |  |  |
| 2017-09 | 4 | noncurrent p90, reserve under noncurrent | loans exceed deposits |
| 2017-12 | 5 | loans exceed deposits, capital falling | noncurrent p90 |
| 2018-03 | 4 |  | capital falling |
| 2018-06 | 3 |  | reserve under noncurrent |
| 2018-09 | 5 | capital falling, uninsured deposits leaving |  |
| 2018-12 | 4 |  | capital falling |
| 2019-03 | 3 |  | uninsured deposits leaving |
| 2019-06 | 7 | capital falling, noncurrent p90, charge-offs p90, reserve under noncurrent |  |
| 2019-09 | 7 |  |  |
| 2019-12 | 7 |  |  |
| 2020-03 | 7 | deposits shrinking, uninsured deposits leaving | capital falling, charge-offs p90 |
| 2020-06 | 4 |  | noncurrent p90, deposits shrinking, uninsured deposits leaving |
| 2020-09 | 4 | capital falling | reserve under noncurrent |
| 2020-12 | 3 |  | loans exceed deposits |
| 2021-03 | 4 | charge-offs p90 |  |
| 2021-06 | 3 |  | charge-offs p90 |
| 2021-09 | 3 |  |  |
| 2021-12 | 3 |  |  |
| 2022-03 | 2 |  | capital falling |
| 2022-06 | 2 |  |  |
| 2022-09 | 6 | AOCI drag >20% of equity, deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2022-12 | 3 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2023-03 | 6 | loans exceed deposits, deposits shrinking, assets shrinking, uninsured deposits leaving | AOCI drag >20% of equity |
| 2023-06 | 6 |  |  |
| 2023-09 | 5 |  | assets shrinking |
| 2023-12 | 5 |  |  |
| 2024-03 | 4 | capital falling | deposits shrinking, uninsured deposits leaving |
| 2024-06 | 3 |  | capital falling |
| 2024-09 | 3 |  |  |
| 2024-12 | 3 |  |  |
| 2025-03 | 3 |  |  |
| 2025-06 | 3 |  |  |
| 2025-09 | 4 | assets shrinking |  |
| 2025-12 | 4 |  |  |
| 2026-03 | 7 | noncurrent p90, reserve under noncurrent, deposits shrinking |  |
| 2026-06 | 5 |  | noncurrent p90, reserve under noncurrent |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-06-30 [Commerce Bank in St. Louis to buy boutique firm - Banking Dive](https://news.google.com/rss/articles/CBMijAFBVV95cUxQZ0dqYXNablVraXpHSzIzekxiV1dtb0tZMU0xSEM4azRvSTV5MWtpMlk4MnFwU3RyRmxoQTRDOHFiVjZjamFoTDl5NFpzdlBOSEtVVGpSZjBqOWZpSEZ0aURFMFdDTjNrNG9OSmEwYnZ3bXpZYjd6Vm00czZMVmJGeGxZRUNEVDdNd3BGRg?oc=5) · Banking Dive
- 2026-06-29 [Commerce Bank to acquire Brentwood investment banking firm Nolan & Associates - The Business Journals](https://news.google.com/rss/articles/CBMiqwFBVV95cUxNY1dmRFhWUUdhQWk0bkp5RjVXd2Q3Y0xfVGtmMjFPWGhhTDR5djhKeEIxUnFNWnBaVVRhMHk1NHdEa1ZKcnkyRTFsQmQxdzNzdldiMlBETGQtSUdKRkEzbGE3VERtOXN1V184UzVlOHpRN3VyV2NXYzRaQUtWcU1HSzItUFFyZDJGLXBuYnBxX0p3RkR6ZjZnX3FzNS1TdXU3Rng3bTZvOVlja00?oc=5) · The Business Journals
- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2026-01-02 [Commerce Bancshares completes $528.5M FineMark acquisition, expanding into 3 states - The Business Journals](https://news.google.com/rss/articles/CBMiqAFBVV95cUxOa2ZyWjR6bHAxeU1wRGtTell4d0V6Y3ZWbnJWdi1zaFJJZW5udWFBUTJiNWtxRC1LSnJRbmVUWlE5NFBnRENfUlRFUndyMDE0b1RoZ3FZcm9PQlZxdU5WX1RVVzl6bkhqeVR5RW5icnBlR19WdUc3Um5lRjJvNmFVenVYdzVTemVSUkhzaGN6dDJ5bGtBak5rUml4ZVgtT09wWDBpQUk3MnM?oc=5) · The Business Journals
- 2025-11-18 [Norton Rose Fulbright relocates St. Louis office to Commerce Bank Tower following recent growth - Norton Rose Fulbright](https://news.google.com/rss/articles/CBMi4AFBVV95cUxNSmIwS09XVmYxaDJyNkpqQndWMlp2RkxOdmdwVC05dV9ZTDl6cUd6amRWSVV5OEw4WU5yZ3ZnNjF0VmY3U2xXd0lNUmNhZFRVVkExWlI4YXBzVXFzQU9lcFhCZnpUZVMxVWhWY2puYUFKMmVZQmQ0aEh3R3g2b1IxMVhzaGx6R2h0ZTlRbm80bGoxRUh5QXVybGZEaG5mQVdsdnpocENvbVJVa2RkVXlnQ0tvSjNmRFlrdHBLZU55emlEYnZvT3dIM0Y1WktyNXhPOWw2WkFqbUZwSEFZb241ZQ?oc=5) · Norton Rose Fulbright
- 2025-06-21 [Commerce Bank Accused of Wrongly Flagging $182 Check as Fraud - Minnesota Spokesman-Recorder](https://news.google.com/rss/articles/CBMihgFBVV95cUxQQ0RndmdzLTJ4bnlNVmpTdUEyX3MySXprQ0ZKb3dKZ3FsSnc2WDZISVNCMnJGOHM2S3o0czRkRUlRc0wycFVNbHg4bGUwNk5iLXM3MHhnQllqT2JMdW9WZDJJYmRPOUdRNkU2a2drWXYtTW4wbDU5bHJLcGQxMnBNU2VxdGd3UQ?oc=5) · Minnesota Spokesman-Recorder
- 2025-09-14 [Burgess is new Citizens State Bank of Loyal executive VP/chief lending officer - Hub City Times](https://news.google.com/rss/articles/CBMiuAFBVV95cUxNS3BkRm4xTmM0am4zUVZ5RTZKWXZVdUEyYV95VXpCc3dZVGJYWFAwSnF6RnB4T3RHZS1VMkZCX0ZMWnA4RkJBMnFQekJJZGlROUEwbUtCby10ZlJKZTctNlpDbG81b3hlZEdXNHFBbFBja1FkUXBXQzktNk5QaTcxQzlWMjhXcVh3OURiaUVFSDhoRUx2clA5dGd3ejR0SnVObDZsa0Y1a2t5RDduSFdNcmprUmxCLUNh?oc=5) · Hub City Times
- 2025-10-07 [Geneva woman loses over $8000 from scam, urges public to be on the lookout - kaaltv.com](https://news.google.com/rss/articles/CBMiowFBVV95cUxOM25ub1k0c21RVDlvOGZEUEgwb2k0dmFaS0ljZHBidEU3eERXajZQQm1nT19ka3pzYlMyS19EazNfZl9id2dNbnN2Y3dJbi1NOFFZMXFkeFZBenJ4bUxGdFBmYWFRTE5nS21oMWp6aldzcnluUHVHVE04TXI5WTd2UlBPSWRCX0hMRmJxMnR1WFVud0Vrc0FkMXIzcjdlbU1FMTlz?oc=5) · kaaltv.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=10212 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/36.json (key "10212", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide