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Commerce Bank
Laredo, TX · FDIC Certificate #23772 · Chartered 03/3
Total assets
$762.49M
Total deposits
$664.51M
Total equity
$78.92M
Net loans
$192.12M
Branches (offices)
3
Net income (YTD)
$6.75M
Rank: #1,304 of 4,213 U.S. banks by assets · #116 of 346 in Texas. Assets changed -0.1% and deposits -0.1% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.81% |
| Return on equity | 17.50% |
| Net interest margin (YTD) | 2.94% |
| Equity to assets | 10.35% |
| Tier 1 leverage ratio | 12.28% |
| Uninsured deposits (share of deposits) | 33.1% |
| Noncurrent loans (share of loans) | 0.03% |
| Net charge-offs (share of loans) | 0.16% |
| Loans to deposits | 28.9% |
| Real estate loans (share of loans) | 77.4% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $148.71M | 77.4% | |
| Commercial & industrial | $34.65M | 18.0% | |
| Consumer / individual | $11.31M | 5.9% | |
| Construction & development | $36.68M | 19.1% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $661.84M | $581.79M | $4.32M | $78.10M |
| Jun 2023 | $647.61M | $570.97M | $7.08M | $73.76M |
| Jun 2024 | $702.62M | $619.25M | $7.33M | $78.86M |
| Jun 2025 | $763.06M | $664.88M | $7.03M | $93.94M |
| Jun 2026 | $762.49M | $664.51M | $6.75M | $78.92M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Texas | $664.51M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $664.51M.
Similar-sized banks
Optus Bank ($764.19M) · Bac Community Bank ($761.91M)
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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