# COMMERCE BANK
EVANSVILLE, IN · FDIC certificate 58279 · asset band <$300M · latest filing 2019-12 · stopped filing (departed)

**Verdict on the desk:** this could be *run candidate*. Composite score 2 (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 | $182.6M | |
| Deposits | $144.3M | |
| Loans and leases | $144.0M | |
| Total equity | $22.5M | |
| Loans / deposits | 98.76% (p91 of band) | 76.58% |
| Liquid assets / assets | 15.55% (p13 of band) | |
| Uninsured deposits / deposits | 52.52% (p99 of band) | 16.53% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 8.21% (p81 of band) | |
| FHLB advances / assets | 8.21% | |
| Tier 1 leverage | 10.31% (p33 of band) | 11.42% |
| Unrealized securities loss / equity | 1.37% (p66 of band) | 0.65% |
| AOCI / equity | 0.94% (p33 of band) | |
| ROA (annualized) | 0.46% (p17 of band) | 1.01% |
| Net interest margin | 3.60% (p38 of band) | 3.82% |
| Efficiency ratio | 83.28% (p81 of band) | |
| Noncurrent loans | 0.00% (p8 of band) | 0.52% |
| Net charge-offs (annualized) | 0.00% (p35 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 76% | |
| Construction % of loans | 46.15% (p78 of band) | |
| Auto loans | $339,000 (0.24% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -1.0% | |
| Employees | 30 | |

## Flags firing in the latest filing

- **uninsured deposits >50%** (`liq_uninsured`)
- **run vulnerability** (`liq_runrisk`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 4 | brokered >10%, losing money, expense ratio p90, reserve under noncurrent |  |
| 2011-06 | 4 |  |  |
| 2011-09 | 4 |  |  |
| 2011-12 | 5 | noncurrent p90 |  |
| 2012-03 | 5 | charge-offs p90 | noncurrent p90 |
| 2012-06 | 5 | capital falling | charge-offs p90 |
| 2012-09 | 6 | wholesale funding >15% |  |
| 2012-12 | 5 |  | reserve under noncurrent |
| 2013-03 | 3 |  | losing money, expense ratio p90 |
| 2013-06 | 3 | uninsured deposits leaving | capital falling |
| 2013-09 | 3 |  |  |
| 2013-12 | 2 |  | uninsured deposits leaving |
| 2014-03 | 2 |  |  |
| 2014-06 | 3 | capital falling |  |
| 2014-09 | 3 |  |  |
| 2014-12 | 2 |  | capital falling |
| 2015-03 | 2 |  |  |
| 2015-06 | 2 |  |  |
| 2015-09 | 2 |  |  |
| 2015-12 | 2 |  |  |
| 2016-03 | 1 |  | brokered >10% |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 | capital falling | wholesale funding >15% |
| 2017-03 | 1 | expense ratio p90 | capital falling |
| 2017-06 | 2 | wholesale funding >15% |  |
| 2017-09 | 2 | capital falling | expense ratio p90 |
| 2017-12 | 2 |  |  |
| 2018-03 | 3 | expense ratio p90 |  |
| 2018-06 | 1 |  | wholesale funding >15%, expense ratio p90 |
| 2018-09 | 0 |  | capital falling |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 1 | uninsured deposits >50% |  |
| 2019-09 | 2 | run vulnerability |  |
| 2019-12 | 2 |  |  |

## 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
- 2026-07-09 [Major leadership positions filled as Commerce Bank promotes talent in Central Illinois - WEEK | 25 News Now](https://news.google.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?oc=5) · WEEK | 25 News Now
- 2026-09-01 [Commerce Bank: Ready, Set, Home - KMOV](https://news.google.com/rss/articles/CBMif0FVX3lxTFByLU5LYVBoTERBQjRwZUdCcUlFdk1tUHlZYlVrdjkxb0EtYXptU1ktLUhzRVUxOGRDU2hYbFJqLW9CeUpFZk5ZaVVKVXE1eWZHQVVCLTRySXVocDFWSUk1WUVIZW80cmFYcXRaRzhlNzNVdEFQY3JDdmQtTWkyWWc?oc=5) · KMOV
- 2026-08-10 [FBI: Man in bucket hat displays gun, robs Commerce Bank location in Kansas City - KMBC](https://news.google.com/rss/articles/CBMirgFBVV95cUxQYjNYOWpxdF9wNTFTMWJtQ0xHa3B2UFphSDVZd0g3bjZ6ak51RFBaLU1US01aNmhEaUpnZnNPbG9IcWtYVXpDbVBNTVhBa0x4bHNkXzlYREQzSU5SdnNsVmFGMUR6ZGROZ1VqYmF2SDRNQWdGMVZSWWhucjdrOUFoaEZlMnBVaGFEel9EQ3NibWgzdTRIMjF6SmdnWWRsYW9kUXYtNFMtQmR5UHV3X1E?oc=5) · KMBC
- 2026-09-09 [Tk4cr embezzled from Bangladesh Commerce Bank as 'hospitality expenses', action ordered against 13 officials - The Business Standard](https://news.google.com/rss/articles/CBMivgFBVV95cUxQTjk4NTJTbnAwYmlRTEJzSUFueHhXRUxZeUtZTXo5ZFFjTG93ajhCOE1KWHBfSm9mbzBLcDEyOUFzUUVfb3pGSnMzcEgwaXZfWEVTMGQ4NmdVVFBLcHJIWlBuOFItRU15LXNzTG5IeThReGc2OEhfMzRyM01qbUx6cnZNeHkwcHY3Q2hMOTdXUVpqdEdpZHlfZzA2SHBBTl9qdDgtMTZaLXdvZkVKQmhDNC01SXVwdGwta1FNbXNB0gG-AUFVX3lxTFBOOTg1MlNucDBiaVFMQnNJQW54eFdFTFl5S1lNejlkUWNMb3dqOEI4TUpYcF9Kb2ZvMEtwMTI5QXNRRV9vekZKczNwSDBpdl9YRVMwZDg2Z1VUUEtwckhaUG44Ui1FTXktc3NMbkh5OFF4ZzY4SF8zNHIzTWptTHpydk14eTBwdjdDaEw5N1dRWmp0R2lkeV9nMDZIcEFOX2p0OC0xNlotd29mRUpCaEM0LTVJdXB0bC1rUU1tc0E?oc=5) · The Business Standard
- 2026-06-22 [First Commerce Bank selects FIS Horizon - FinTech Futures](https://news.google.com/rss/articles/CBMilAFBVV95cUxNakhQVzVHYTUwU3JteDRlQWdaM2E3MFhtcDhTY0FmNDlsVWZuVl9zem53bmhoY2JjcUc2Wnc1dldyVjhFbFJzLTgwWm9qcjdBVV81VDYtMnVKaXBvNjNnNDRIeE5RUDZoZUwyWUVHS2JsOE5NbWhQX0w4aEd1REsteUZ0MzBhaEdFSEwxYzZRWllQMmNO?oc=5) · FinTech Futures
- 2026-07-09 [Commerce Bank Illinois announces new president in Peoria - Peoria Journal Star](https://news.google.com/rss/articles/CBMizAFBVV95cUxNQlhvMmxPdEZwQjloRm1xeFplekVOX3k3eXFMXzU4SFRqSlVtakdtZV9QYUZyVl9zcWJYZkpnSHd6OEQ5a1k2ZnVYYmxsR1VUTkVBOWpMZkJxaWZvUTRSUURzSVpRdzlfWHFLVUZBU2JKR3pTOU04aUJ5TFpvVXJUNHRZanBjRmdvcUNKWEg4QUtmOU1VRVNjMlM1V2FGV3dWXzVySlFDUnBqM1BrbURIeW5TSy1rSW15WG5nelpJOVZnakJrX0JFNTU5Q1g?oc=5) · Peoria Journal Star
- 2026-06-29 [Commerce Bank to Acquire Nolan & Associates, Adding Investment Banking Capabilities for Middle-Market Clients - Yahoo Finance](https://news.google.com/rss/articles/CBMipgFBVV95cUxQcnNPMkUxSEd4ZUhYeGxZNTBDcV9ldkV4UHJTWTA1X01fNGttZ1hncWFaRnRKSUJtZ1V3NnAxZi1rTGYzS2syOC14eGdaekNsZEpyelFwYUFwdFR2X1hMUF9BVjJ4N19oeWR1NDFrcUd1bG54T00tbmEyWnhtWFJNVTVRb2RpMWg0Q0U3c2k1RDVVVkozUkJYbkNkV1luVXk1eTJKLU13?oc=5) · Yahoo Finance

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58279 (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/39.json (key "58279", 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