# COMMERCE BANK&TRUST CO
WORCESTER, MA · FDIC certificate 17484 · asset band $1-10B · latest filing 2017-09 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 3 (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 | $1.83B | |
| Deposits | $1.61B | |
| Loans and leases | $1.40B | |
| Total equity | $190.6M | |
| Loans / deposits | 85.98% (p41 of band) | 89.41% |
| Liquid assets / assets | 20.48% (p48 of band) | |
| Uninsured deposits / deposits | 26.51% (p52 of band) | 25.99% |
| Brokered deposits | 0.34% | |
| Wholesale funding | 1.27% (p14 of band) | |
| FHLB advances / assets | 0.02% | |
| Tier 1 leverage | 9.98% (p49 of band) | 10.05% |
| Unrealized securities loss / equity | 0.51% (p70 of band) | -0.01% |
| AOCI / equity | -0.09% (p3 of band) | |
| ROA (annualized) | 0.93% (p40 of band) | 1.02% |
| Net interest margin | 2.99% (p17 of band) | 3.52% |
| Efficiency ratio | 54.64% (p24 of band) | |
| Noncurrent loans | 2.27% (p94 of band) | 0.54% |
| Net charge-offs (annualized) | 0.12% (p80 of band) | |
| Reserve coverage of noncurrent | 47.15% | |
| Real estate % of loans | 50% | |
| Construction % of loans | 34.27% (p42 of band) | |
| Auto loans | $52.6M (3.77% of loans; DQ 0.25%, NCO 0.00%) | |
| Loans to nondepository financials | $85.9M (45% of equity) (p98 of band) | |
| Deposits YoY | -5.4% | |
| Employees | 226 | |

## Flags firing in the latest filing

- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)
- **deposits shrinking** (`shrink_deposits`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 1 | capital falling |  |
| 2012-06 | 0 |  | capital falling |
| 2012-09 | 1 | reserve under noncurrent |  |
| 2012-12 | 2 | capital falling |  |
| 2013-03 | 1 |  | reserve under noncurrent |
| 2013-06 | 0 |  | capital falling |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | NIM <2.5% |  |
| 2014-06 | 1 | reserve under noncurrent | NIM <2.5% |
| 2014-09 | 0 |  | reserve under noncurrent |
| 2014-12 | 0 |  |  |
| 2015-03 | 3 | charge-offs p90, deposits shrinking, assets shrinking |  |
| 2015-06 | 2 | reserve under noncurrent | deposits shrinking, assets shrinking |
| 2015-09 | 2 | loans-to-lenders >50% equity | charge-offs p90 |
| 2015-12 | 3 | charge-offs p90 |  |
| 2016-03 | 3 | capital falling | charge-offs p90 |
| 2016-06 | 1 |  | reserve under noncurrent, capital falling |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 3 | capital falling, reserve under noncurrent |  |
| 2017-06 | 4 | deposits shrinking, assets shrinking | capital falling |
| 2017-09 | 3 | noncurrent p90 | loans-to-lenders >50% equity, assets shrinking |

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

- nothing found for that search

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=17484 (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/12.json (key "17484", 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.

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