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Commercial Bank
Saint Louis, MO · FDIC Certificate #27409 · Chartered 12/2
Total assets
$282.92M
Total deposits
$246.47M
Total equity
$15.43M
Net loans
$195.93M
Branches (offices)
4
Net income (YTD)
$649.00K
Rank: #2,552 of 4,213 U.S. banks by assets · #102 of 190 in Missouri. Assets changed -0.9% and deposits -1.5% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.46% |
| Return on equity | 8.51% |
| Net interest margin (YTD) | 3.52% |
| Equity to assets | 5.45% |
| Tier 1 leverage ratio | 7.93% |
| Uninsured deposits (share of deposits) | 28.2% |
| Noncurrent loans (share of loans) | 1.00% |
| Net charge-offs (share of loans) | 0.16% |
| Loans to deposits | 79.5% |
| Real estate loans (share of loans) | 77.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $151.18M | 77.2% | |
| Commercial & industrial | $38.63M | 19.7% | |
| Consumer / individual | $4.47M | 2.3% | |
| Construction & development | $6.01M | 3.1% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $296.97M | $280.31M | $642.00K | $11.00M |
| Jun 2023 | $289.55M | $256.68M | $253.00K | $9.33M |
| Jun 2024 | $281.32M | $254.03M | $306.00K | $10.58M |
| Jun 2025 | $285.39M | $250.19M | $390.00K | $13.27M |
| Jun 2026 | $282.92M | $246.47M | $649.00K | $15.43M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Missouri | $246.47M | 4 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $246.47M.
Similar-sized banks
The Jacksboro National Bank ($283.16M) · First Federal Bank Of Ohio ($282.87M)
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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