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Commerce Bank
Geneva, MN · FDIC Certificate #10212 · Chartered 01/0
Total assets
$219.99M
Total deposits
$156.83M
Total equity
$29.12M
Net loans
$183.96M
Branches (offices)
2
Net income (YTD)
$1.47M
Rank: #2,863 of 4,213 U.S. banks by assets · #109 of 221 in Minnesota. Assets changed -10.6% and deposits -13.1% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.30% |
| Return on equity | 10.18% |
| Net interest margin (YTD) | 2.99% |
| Equity to assets | 13.24% |
| Tier 1 leverage ratio | 13.87% |
| Uninsured deposits (share of deposits) | 15.4% |
| Noncurrent loans (share of loans) | 0.60% |
| Net charge-offs (share of loans) | -0.01% |
| Loans to deposits | 117.3% |
| Real estate loans (share of loans) | 90.1% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $165.82M | 90.1% | |
| Commercial & industrial | $12.83M | 7.0% | |
| Consumer / individual | $1.00M | 0.5% | |
| Construction & development | $2.73M | 1.5% | |
| Agricultural | $7.64M | 4.2% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $270.63M | $231.19M | $1.10M | $24.88M |
| Jun 2023 | $242.82M | $166.22M | $1.41M | $24.36M |
| Jun 2024 | $258.28M | $175.96M | $978.00K | $25.52M |
| Jun 2025 | $246.02M | $180.48M | $1.09M | $27.47M |
| Jun 2026 | $219.99M | $156.83M | $1.47M | $29.12M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Minnesota | $156.83M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $156.83M.
Similar-sized banks
The Citizens Bank ($220.38M) · Carson Bank ($219.86M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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