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Commerceone Bank
Birmingham, AL · FDIC Certificate #59114 · Chartered 06/0
Total assets
$1.06B
Total deposits
$970.20M
Total equity
$85.00M
Net loans
$687.25M
Branches (offices)
2
Net income (YTD)
-$752.00K
Rank: #991 of 4,213 U.S. banks by assets · #17 of 93 in Alabama. Assets changed 39.4% and deposits 44.3% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | -0.16% |
| Return on equity | -1.78% |
| Net interest margin (YTD) | 3.72% |
| Equity to assets | 8.00% |
| Tier 1 leverage ratio | 9.01% |
| Uninsured deposits (share of deposits) | 62.0% |
| Noncurrent loans (share of loans) | 0.00% |
| Net charge-offs (share of loans) | 3.54% |
| Loans to deposits | 70.8% |
| Real estate loans (share of loans) | 68.3% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $469.72M | 68.3% | |
| Commercial & industrial | $207.77M | 30.2% | |
| Consumer / individual | $16.66M | 2.4% | |
| Construction & development | $64.68M | 9.4% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $515.91M | $460.86M | $3.14M | $53.57M |
| Jun 2023 | $601.07M | $536.29M | $4.82M | $61.77M |
| Jun 2024 | $663.90M | $564.00M | $4.24M | $68.36M |
| Jun 2025 | $762.72M | $672.31M | $5.78M | $79.23M |
| Jun 2026 | $1.06B | $970.20M | -$752.00K | $85.00M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Alabama | $970.20M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $970.20M.
Similar-sized banks
Nebraskaland Bank ($1.06B) · United Bank Of Michigan ($1.06B)
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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