Comerica Bank


1717 Main St
Dallas, TX 75201
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Phone 800 925 2160

Notable Rates APY Vs.Others
Savings N.A. 5.55% →
1-Year CD N.A. 5.41% →
2-Year CD N.A. 5.25% →
5-Year CD N.A. 4.55% →
30-Year Mortgage 7.67% 4.91% →
15-Year Mortgage 6.97% 4.39% →
HELOC 5.49% 0.99% →

2024 Overview

General Bank Information

Comerica Bank is an FDIC insured institution located in Dallas, TX. It was founded in 1849 and has approximately $85.9 billion in assets. Customers can open an account at one of its 479 branches.

FDIC Insured Yes
FDIC Certificate # 983
Date Established 1849
Assets $ 85.90 billion
Loans $ 51.66 billion
Deposits $ 68.36 billion
Capital $ 5.70 billion

For a more detailed analysis of Comerica Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - May 21, 2024

Your Current Location: Virginia, VA 20146

Checking Rates APY MIN FEE
Access Checking 0.00% $0 $13.00 Learn MoreShow Less
Premier Checking 0.01% $20,000 $22.00 Learn MoreShow Less
Platinum Circle Checking 0.05% $0 $0.00 Learn MoreShow Less

Loan Rates - May 21, 2024

Your Current Location: Virginia, VA 20146

Refinance Mortgage Rates APR Rate Monthly Payment
Purchase Mortgage Rates APR Rate Monthly Payment

Monthly payments for mortgage products are based on a loan amount of $200,000. Home equity monthly payments are based on a loan amount of $50,000. Auto loan monthly payments are based on a loan amount of $25,000. Rates for each product are based on a variety of factors including credit score and loan amount. For specific requirements please check with the lender. Rates may change at any time.


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Climate Policy and Initiatives

Comerica finances solar projects in Texas as described here.

Updated April 12, 2024

Climate Score: C

While Comerica is aggressively trying to source solar deals in Texas, it remains one of the largest lenders in the country to the oil and gas industry and has not articulated any plan for reducing its lending to this sector.

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Financial Details

Comerica Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Comerica Bank. The data is provided by the FDIC. All banks listed on are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Comerica Bank U.S. Bank Average
3.1% 3.96%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of December 31, 2024, Comerica Bank had $198,000,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $5,703,000,000 in equity and $688,000,000 in loans loss reserves. That gives it a Texas Ratio of 3.1%.

Return on Equity
Comerica Bank U.S. Bank Average
17.2% 12.20%

Comerica Bank has a Return on Equity of 17.2% versus the BestCashCow average of 12.20%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Comerica Bank U.S. Bank Average
6.64% 10.76%

Comerica Bank has a Capitalization of 6.64% versus the BestCashCow average of 10.76. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Comerica Bank Balance Sheet Analysis

As of December 31, 2023, Comerica Bank had assets of $85,902,000,000, loans of $51,657,000,000, and deposits of $68,355,000,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

December 31, 2024
Cash & Balances due from depository institutions $ 9.60 billion
Interest-bearing balances $ 8.08 billion
Total securities $ 16.91 billion
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 51.66 billion
Loan loss allowance $ 688.00 million
Trading account assets $ 603.00 million
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles $ 696.00 million
All other assets $ 4.81 billion
     Total Assets $ 80.20 billion
Total deposits $ 68.36 billion
      Interest-bearing deposits $ 40.14 billion
      Deposits held in domestic offices $ 67.98 billion
      % insured (estimated) 55.06%
Federal funds purchased and repurchase agreements $ 15.00 million
Trading liabilities $ 871.00 million
Other borrowed funds $ 634.00 million
Subordinated debt $ 965.00 million
All other liabilities $ 1,427.00 million
      Total Liabilities $ 80.20 billion
      Shareholders’ Equity $ 5.70 billion

Summary Income Statement

December 31, 2024
Total Interest Income $ 4.20 billion
Total Interest Expense $ 1,633.00 million
Net interest income $ 2.57 billion
Provision for loan and lease losses $ 89.00 million
Total non interest income $ 1,049.00 million
Total non interest expense $ 2.40 billion
Pre-tax Net Operating Income $ 558.00 million

Bank Loan Profile?

The top three loan types in Comerica Bank’s loan portfolio are Commercial and Industrial Loans, Commercial Real Estate, and 1-4 Family Residential Loans.

Compared to other banks in Texas, Comerica Bank has a significantly higher percent of Commercial and Industrial Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 6.98
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 1.17
Construction and Development Loans 5.29
Commercial Real Estate 18.30
Commercial and Industrial Loans 48.76
Farm Loans 0.04

Customer Reviews for Comerica Bank

  • October 18, 2016

    IF the Cd's our that high then way i'm i the last to find out what The apys are.

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