# COMMERCEONE BANK
BIRMINGHAM, AL · FDIC certificate 59114 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 4 (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 | $1.06B | |
| Deposits | $970.2M | |
| Loans and leases | $694.2M | |
| Total equity | $85.0M | |
| Loans / deposits | 70.84% (p17 of band) | 87.10% |
| Liquid assets / assets | 33.61% (p82 of band) | |
| Uninsured deposits / deposits | 62.04% (p97 of band) | 30.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p13 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.01% (p13 of band) | 10.50% |
| Unrealized securities loss / equity | -4.04% (p69 of band) | -7.75% |
| AOCI / equity | -0.16% (p60 of band) | |
| ROA (annualized) | -0.16% (p1 of band) | 1.26% |
| Net interest margin | 3.72% (p51 of band) | 3.70% |
| Efficiency ratio | 43.89% (p11 of band) | |
| Noncurrent loans | 0.00% (p2 of band) | 0.51% |
| Net charge-offs (annualized) | 2.66% (p99 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 68% | |
| Construction % of loans | 76.10% (p75 of band) | |
| Auto loans | $62,000 (0.01% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 44.3% | |
| Employees | 57 | |

## Flags firing in the latest filing

- **uninsured deposits >50%** (`liq_uninsured`)
- **capital falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **charge-offs p90** (`aq_nco`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2018-06 | 3 | losing money, expense ratio p90, NIM <2.5% |  |
| 2018-09 | 4 | uninsured deposits >50% |  |
| 2018-12 | 5 | capital falling |  |
| 2019-03 | 4 |  | NIM <2.5% |
| 2019-06 | 3 |  | expense ratio p90 |
| 2019-09 | 3 | loans exceed deposits | losing money |
| 2019-12 | 2 |  | loans exceed deposits |
| 2020-03 | 4 | loans exceed deposits, run vulnerability |  |
| 2020-06 | 4 |  |  |
| 2020-09 | 1 |  | capital falling, loans exceed deposits, run vulnerability |
| 2020-12 | 2 | run vulnerability |  |
| 2021-03 | 2 | capital falling | run vulnerability |
| 2021-06 | 3 | construction >100% equity |  |
| 2021-09 | 4 | run vulnerability |  |
| 2021-12 | 3 |  | capital falling |
| 2022-03 | 2 |  | run vulnerability |
| 2022-06 | 4 | capital falling, run vulnerability |  |
| 2022-09 | 3 |  | capital falling |
| 2022-12 | 3 |  |  |
| 2023-03 | 4 | capital falling |  |
| 2023-06 | 3 |  | capital falling |
| 2023-09 | 4 | charge-offs p90 |  |
| 2023-12 | 4 |  |  |
| 2024-03 | 4 | capital falling | charge-offs p90 |
| 2024-06 | 2 | charge-offs p90 | uninsured deposits >50%, run vulnerability, capital falling |
| 2024-09 | 2 | uninsured deposits >50%, run vulnerability | construction >100% equity, charge-offs p90 |
| 2024-12 | 2 | capital falling | run vulnerability |
| 2025-03 | 1 |  | uninsured deposits >50% |
| 2025-06 | 2 | uninsured deposits >50%, run vulnerability | capital falling |
| 2025-09 | 2 |  |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 4 | capital falling, losing money, charge-offs p90 | run vulnerability |
| 2026-06 | 4 |  |  |

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

- 2025-11-25 [How CEOs struck a $1B deal for Birmingham's next publicly traded company - The Business Journals](https://news.google.com/rss/articles/CBMirgFBVV95cUxOblRzTjdNTXAxMWxXMlhsRUU1cUxXYXVUekZ3OGFnTkFWdkJTeGVDOGlPZFVnZUZOaFkzYXZFODktcWJSUmZGM1NyLUVCeEVaYnk2MTJyM0w2U3dreXdUWHpmVTRTc1NYamJNVjdWUjM0ZFBZOGVvYTdfVnRKdHphbUVCd2dBSTA3S3R1NDBEV3FOaUhsZ1lCdnJEZlltaENUeUVhWW1NbDFOOVZiNHc?oc=5) · The Business Journals
- 2025-11-24 [Birmingham tech founder a key figure in $1 billion fintech deal - AL.com](https://news.google.com/rss/articles/CBMipgFBVV95cUxNUGFrcTNHc09LOE9mSW5tQk80aXhQa082d0d5bE94YWMycG5lYnhjcFR1YmhzVUd5VjRmUzJvM1BMRkpDOXNvVHBBVWpxeTQ1X1d6VjVCS05NcVhiRGJTTWgyakt0WDFNTmRKRlByRXZUYWJUWTQwZElKYzFna1ZMaHotUmw3ZUMxT1VYY0JQQl9STVpPRUZsM1FkejFQeG9pYlZ3ODVn?oc=5) · AL.com
- 2025-11-26 [Green Dot inks deals splitting bank, fintech business - Banking Dive](https://news.google.com/rss/articles/CBMiogFBVV95cUxQSE9SODgxZTFFbXB2bnFVRXlnRVo1WkR5cDNVd2I0by1uTWR6YW8tSVA2N0lYYkQtWmNwZDRJVzBLWHJuNGNfc1BQbVljRGRURUVRcVFxZFNqaWtCZnJWal9BU1VfWTB5ZG5rT1NDT3hxdXp1dTRfOWJneExQRFh4OGE5TnpyVFJlSEhrWUY4THRYMEN4dUo3b1pFZEFkdHkxOGc?oc=5) · Banking Dive
- 2025-02-03 [Birmingham-based bank plans to relocate to John Hand building - Bham Now](https://news.google.com/rss/articles/CBMimAFBVV95cUxOTFJ5QXBnQ0lWaXJZeTFkX2RheW1sSDFiUVo1UzVpZGtvTzdYOTlGcUItenYtclUwcmpaTW0zS0U0OEQ2U1dLczJJOXJUbWo2OXZVTEg0QktyRVk3RXE2Ri03REJfV2ZkY1U5UktfQjdzN0t5YlJsc0F3dGlaWk11TGh1VjRHaWRqTUNRajIyYWFnNWtXVExIVA?oc=5) · Bham Now
- 2026-06-23 [Green Dot and CommerceOne Shareholders Approve Pending Acquisition of Green Dot - Business Wire](https://news.google.com/rss/articles/CBMi0gFBVV95cUxPTXFOR2o0MnpLNUlET0VicHZQbzg1RFVVdWZla2VrcVFjTGdwTjM5WnF6OXJTd1MwVEozVnNEX05UVUpSbUJ2TEk1WDRKN3pMZEt6dXFZUGZaSmRDWGhJRzFqcXJVcjJLREdfemlTQ0hrNDJMQXJPZjYyVzQwczBqUXcteWVHcWRUcUdUNmtzcVhnNHpka1hpYkJNM3E1dEYxRDV2cW85ZEktTTk0b1lzQXh2WXNnVmcxYlV1MEVmd3NLVTNSdVJGd1dxNzVHc3lSN2c?oc=5) · Business Wire
- 2025-02-03 [Bham bank plans HQ relocation to John Hand building - The Business Journals](https://news.google.com/rss/articles/CBMipAFBVV95cUxQMlBLODlGMlBSYVIwNG80aE5TREwxVlRKcXZwd3JGajZ6dFJLWjNkdXY1d1JjM1ZEQkYyaVkzMEVvVWhzS3AxV09fZTRueGN5d2p6Vi1UdUhMNzcyc3lQQWY3enMtTGl6a3NVeHFELUFhYjNIU2FWZVB3dlVSQ3BES2dsRm1NV2RxUnZCejJpOEZEY00tczBEVDNTZUZDdTFKVlRodA?oc=5) · The Business Journals
- 2025-11-24 [Green Dot Corp. Announces Strategic Transactions with Smith Ventures and CommerceOne Financial Corp. - Business Wire](https://news.google.com/rss/articles/CBMi7gFBVV95cUxNMXJqemFTaWU4LTZRNjlrUTBjVS1kWlJhTDF1SW5Pc0ZwVW1xQUItVWYxVjRrRC1rZE9yRnB1VlR0eEhGZEQ1MzJYMUh5Y1lsMGVqLWxJMGgzcWRXVnk3NXo5TVdzZE8ydWJicDVWRS1GN0cwZDE2ZThsalo1M3U3RVRRSjVoOU1EVHRCN0djZHdFQm9hblBOcF9CV3plMkxRZnp3cDgyNEgyWVg4VTdrQWRTUUlaMGQyRWtNOFFuZmJXVHM2Uks1Z2xOREdNNEFiMmJSRlFKQ2dHS2kwSjVZM2pNNkNSb3M0V181SU53?oc=5) · Business Wire
- 2025-11-24 [Bill Smith-founded firms to make $825M-plus acquisition - The Business Journals](https://news.google.com/rss/articles/CBMipwFBVV95cUxOQjV4YnF0WTBFQW0wbXRwN2UzbWg4VkEwVHVYTTRYWVVLdXFKSWEtRGtqeG1heER0RmpxdTM5NGxBRmd3QkR2R1RQNF96bmxScHVCamFPekM3ZFJpQnhKN1lfNUxfZ3hNaXVOcVpQZW9nX0dqYTMwenFKVnYzc01zRmFaN1Nid0xVTndKQWlJcUI1WXpWRnhYc0lmR3EzbWdzVTlXZWFMNA?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=59114 (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/42.json (key "59114", 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