# COMMERCE BANK
LAREDO, TX · FDIC certificate 23772 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. Composite score 1 (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 | $762.5M | |
| Deposits | $664.5M | |
| Loans and leases | $195.1M | |
| Total equity | $78.9M | |
| Loans / deposits | 28.91% (p1 of band) | 82.04% |
| Liquid assets / assets | 70.13% (p98 of band) | |
| Uninsured deposits / deposits | 33.08% (p75 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 2.01% (p41 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 12.28% (p71 of band) | 10.81% |
| Unrealized securities loss / equity | -38.00% (p8 of band) | -8.10% |
| AOCI / equity | -4.28% (p1 of band) | |
| ROA (annualized) | 1.81% (p80 of band) | 1.28% |
| Net interest margin | 2.94% (p9 of band) | 3.91% |
| Efficiency ratio | 34.27% (p2 of band) | |
| Noncurrent loans | 0.03% (p14 of band) | 0.43% |
| Net charge-offs (annualized) | 0.04% (p73 of band) | |
| Reserve coverage of noncurrent | 5351.79% | |
| Real estate % of loans | 76% | |
| Construction % of loans | 46.48% (p53 of band) | |
| Auto loans | $712,000 (0.36% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -0.1% | |
| Employees | 45 | |

## Flags firing in the latest filing

- **securities losses >30% of equity** (`cap_secloss`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 3 | NIM <2.5%, noncurrent p90 |  |
| 2012-06 | 3 | assets shrinking | noncurrent p90 |
| 2012-09 | 3 |  |  |
| 2012-12 | 2 |  | assets shrinking |
| 2013-03 | 1 |  | NIM <2.5% |
| 2013-06 | 2 | noncurrent p90 |  |
| 2013-09 | 2 |  |  |
| 2013-12 | 2 |  |  |
| 2014-03 | 2 |  |  |
| 2014-06 | 2 |  |  |
| 2014-09 | 2 |  |  |
| 2014-12 | 2 |  |  |
| 2015-03 | 2 |  |  |
| 2015-06 | 1 |  | noncurrent p90 |
| 2015-09 | 2 | noncurrent p90 |  |
| 2015-12 | 2 |  |  |
| 2016-03 | 2 |  |  |
| 2016-06 | 3 | charge-offs p90 |  |
| 2016-09 | 3 |  |  |
| 2016-12 | 3 |  |  |
| 2017-03 | 1 |  | noncurrent p90, charge-offs p90 |
| 2017-06 | 1 |  |  |
| 2017-09 | 0 |  | reserve under noncurrent |
| 2017-12 | 5 | noncurrent p90, reserve under noncurrent, deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2018-03 | 3 |  | noncurrent p90, uninsured deposits leaving |
| 2018-06 | 3 |  |  |
| 2018-09 | 1 |  | deposits shrinking, assets shrinking |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 | capital falling | reserve under noncurrent |
| 2019-06 | 2 | deposits shrinking |  |
| 2019-09 | 2 | uninsured deposits leaving | capital falling |
| 2019-12 | 3 | assets shrinking |  |
| 2020-03 | 3 |  |  |
| 2020-06 | 1 | capital falling | deposits shrinking, uninsured deposits leaving, assets shrinking |
| 2020-09 | 0 |  | capital falling |
| 2020-12 | 0 |  |  |
| 2021-03 | 1 | NIM <2.5% |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 2 | capital falling |  |
| 2022-06 | 3 | AOCI drag >20% of equity, securities losses >30% of equity | capital falling |
| 2022-09 | 3 |  |  |
| 2022-12 | 2 |  | NIM <2.5% |
| 2023-03 | 1 |  | AOCI drag >20% of equity |
| 2023-06 | 1 |  |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 2 | capital falling |  |
| 2024-12 | 1 |  | capital falling |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |
| 2026-06 | 1 |  |  |

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

- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2026-01-31 [WBCA parades to fill downtown with marching bands, dance teams and spirit - lmtonline.com](https://news.google.com/rss/articles/CBMiiAFBVV95cUxQaDJsd1Y5SkVfdDVxRjhMdkh6ODlleXpDM0VZSXpSWHhvT2lqdkpBcUxEb3BqRXF3dFEwZ2h5ZVpKM2hIc00wM09DcV9kcUxndS1lU0F3dXEyczYyMGxxQlFXRmh5TFFQZ3VPaUJzaDhGZ3JhWnpYVUZwdWYwcEF1eGM1TUxvcTFu?oc=5) · lmtonline.com
- 2023-02-10 [Mike Barber Joins Commerce Bank as Senior Commercial Relationship Manager - Fort Worth Report](https://news.google.com/rss/articles/CBMiswFBVV95cUxPSW5hNlgtQVZZUklMRDdKOVVINTV6NDQ1OG5ULVg0SUNwWTZqQW5zQ1dZQnRPY0JmTzRYaEk3cFdKYWdORmtacnV3SWFjbGRZTjZPZVhxTkg1alZtbmtFSlZHWThPZTVTMGt4TDdCMjFtV1p4OVhKcUJFc2xWb3AwNVJJS0JWVGk0UGRhcXhBRkJDVzd2YUxlS29neTQtWkhMOWg1TjV0QktXaFNnRjFsUnA1QQ?oc=5) · Fort Worth Report
- 2018-12-19 [Commerce Bank Celebrates Fourth Anniversary of Centenoville Minitropolis with Ribbon-Cutting Ceremony at R.C. Centeno Elementary School - Texas Border Business](https://news.google.com/rss/articles/CBMi-wFBVV95cUxOVkV4akdBemxzcXI5NDFMOEJDUXB3ZXlXN0ZBZUtIX0xxeEpEZXVoNGtTQWdnc2tsMmI1aklKUDduN2JqakkzRmVvQl9BcDB6NVBmUTNqM1ZvYlJDTUF2TXItMWNPSkwxSHVlT3NDUzluMGxyVzdZcFowdUx2V0RLVkJXNVhJMk5jVUlsM3ppVXNwQzhjN092dlExaEJlaWxlbXBwd0g1M09zS2lXZkRTVTh4Z2Y4bXQ3X1JwRWktdThxdlplaVhiTndSWUFCel9ESU9JeW42Q1NEcVM0b2Z0ajd6Q3o4S3V1MHNTT3psVE9sQkJ3QnRSczFZMA?oc=5) · Texas Border Business
- 2025-12-08 [Arkansas bank to broach Tennessee in $150.1M deal - Banking Dive](https://news.google.com/rss/articles/CBMizgFBVV95cUxQNzhhX2Nia0l0UEF2YnBLaUw4QURCMEFLY2wzaWpGd0dYMzF0anp0SXlwNTlTaW1WZE8wRUJBN3VhalJHSkNsLUFlYkQzdkZSajhJUFJWQ2hoMlRCR3N2QTN6MEh2U0JQVUw2YnRhLUxoa1NXSDFMYXNHZlM0LUI5LXdUTVRXZ3NsOTVmbzI4dk1kNjhCUHVmeExKMzl3dmpQUVNtbjN3cUtULUFWOXBSbWhZdkFLZFdBZS1Nb0kwNWE4YXhYX3BZZG0xZUdzdw?oc=5) · Banking Dive
- 2023-02-03 [Now that's staying power - The Business Journals](https://news.google.com/rss/articles/CBMipgFBVV95cUxOOU1vR0xiY0Z3bmVlSXVBVExvckV4aWsxV25CaV9nUlNLeHFCN2pfRjRrRFZUaWlXZ3lFZG9yNHhaRlBVLWZfcllSRW9ydWlBc1h3ZjBxQ25GLTZESExoeWNBM3lieWdrT2FITllBV1FTSHplZnBqX2U2R0h3cE9nNm5wZVhkMlNRT0gyeFdlNmQ4dENWQkhDMzEzXzM3NkZPdFA1cjN3?oc=5) · The Business Journals
- 2023-01-28 [Bridges: Texas businessman and commerce secretary Jesse H. Jones, part 2 - Lubbock Avalanche-Journal](https://news.google.com/rss/articles/CBMi2gFBVV95cUxOcEQ0TVF2Z2czdVhkU1J5SWpkSDN6XzJaUWlCZHM5VjBtV2RJdTdOQmlaV3BBb1BLcVFvMjd6ZFNLUW1SS2huMGxzMDhCLTV5YVFkS2VDQ1FqcE12UFBhNmcwS2RiSU1zTDZjVE9XeHdqTkQ2ZldUSzdDR0hBOWZrRVJyUjBCel80aDRtaHpSQjBnVmpKcVBfSC05U01GRVd2QUl3eVA1NzFxRHFoMk1sa0IyN2tJb25pSjVWTVNZV3Z2S3lEblpGMTdnSnZkV0pZLU5DLXVGWG90QQ?oc=5) · Lubbock Avalanche-Journal
- 2025-12-08 [Home BancShares, Inc. announces purchase of Tennessee bank - The Arkansas Democrat-Gazette](https://news.google.com/rss/articles/CBMilAFBVV95cUxPeHFFTWJZbEh3bWNjenNjd1p4SVk2Q1dzdDQ5TGdaN1lOUThsLUZBSzlqQlhUWEVTbnJBTUo0Q21nRmxuQ1IwbUg4cnV1NHRoX0pFbHp0RWw3eDBINFVDQ2kwUlJIY09JWUtZQ1NGazM2Z3FGemlfU1VRTlk2V0pNZnQ3SmVlUFFIVERMZGRQYUNOdkRm?oc=5) · The Arkansas Democrat-Gazette

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=23772 (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/28.json (key "23772", 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