Commerce National Bank & Trust

1201 South Orlando Avenue
Winter Park, FL 32789

 

2019 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 57429
Date Established 2003
Assets $0.11 billion
Loans $0.09 billion
Deposits $0.10 billion
Capital $0.01 billion

Commerce National Bank & Trust is an FDIC insured institution located in Winter Park, FL. It was founded in 2003 and has approximately $0.11 billion in assets.

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

Deposit Rates - September 18, 2019

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates APY MIN MAX
Money Market
0.15% $1 $9,999 Learn MoreShow Less
Money Market
0.15% $10,000 $49,999 Learn MoreShow Less
CD Rates APY MIN MAX
3 Mo CD
0.75% $500 - Learn MoreShow Less
6 Mo CD
1.00% $500 - Learn MoreShow Less
12 Mo CD
1.51% $500 - Learn MoreShow Less
18 Mo CD
2.02% $500 - Learn MoreShow Less
24 Mo CD
2.17% $500 - Learn MoreShow Less
30 Mo CD
2.17% $500 - Learn MoreShow Less
36 Mo CD
2.27% $500 - Learn MoreShow Less
48 Mo CD
2.53% $500 - Learn MoreShow Less
60 Mo CD
2.79% $500 - Learn MoreShow Less

Fixed IRA Rates APY MIN MAX
Fixed IRA
1.51% $500 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
Var IRA
0.15% $1 $9,999 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.15% $1 $9,999 Learn MoreShow Less

Loan Rates - September 18, 2019

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for Commerce National Bank & Trust

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Connecticut 30 Year Fixed Mortgage Rates 2019

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
AimLoan.com
NMLS ID: 2890
License#: 13256
3.662% 3.625% 0.50 $1,130 $1,141 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Figure Home Equity Line
Figure Home Equity Line
0.000 %
$0 Learn More
More Info

Note to Commerce National Bank & Trust
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Branches

Commerce National Bank & Trust branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Fairfield,Connecticut


Commerce National Bank & Trust Locations


Financial Details

Commerce National Bank & Trust Ratio Analysis

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

Texas Ratio
Commerce National Bank & Trust U.S. Bank Average
1.82% 6.94%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s 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 March 31, 2019, Commerce National Bank & Trust had $0 in non-current loans and $294,000 in owned real estate. To cover these potential losses it had $14,241,000 in equity and $1,928,000 in loans loss reserves. That gives it a Texas Ratio of 1.82%.

Return on Equity
Commerce National Bank & Trust U.S. Bank Average
9.18% 9.47%

Commerce National Bank & Trust has a Return on Equity of 9.18% versus the BestCashCow average of 9.47%. 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.

Capitalization
Commerce National Bank & Trust U.S. Bank Average
12.45% 12.49%

Commerce National Bank & Trust has a Capitalization of 12.45% versus the BestCashCow average of 12.49. 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.

Commerce National Bank & Trust Balance Sheet Analysis

As of March 31, 2019, Commerce National Bank & Trust had assets of $114,384,000, loans of $88,758,000, and deposits of $95,362,000. 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

March 31, 2019
ASSETS
Cash & Balances due from depository institutions $0.01 billion
Interest-bearing balances $0.01 billion
Total securities $0.01 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.09 billion
Loan loss allowance $0.00 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.00 billion
     Total Assets $0.10 billion
LIABILITIES
Total deposits $0.10 billion
      Interest-bearing deposits $0.07 billion
      Deposits held in domestic offices $0.10 billion
      % insured (estimated) 74.78%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.00 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.10 billion
      Shareholders’ Equity $0.01 billion

Summary Income Statement

March 31, 2019
INCOME AND EXPENSES
Total Interest Income $0.00 billion
Total Interest Expense $0.00 billion
Net interest income $0.00 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.00 billion
Pre-tax Net Operating Income $0.00 billion

Bank Loan Profile?

The top three loan types in Commerce National Bank & Trust’s loan portfolio are Commercial Real Estate, 1-4 Family Residential Loans, and Construction and Development Loans.

Compared to other banks, Commerce National Bank & Trust’s loan portfolio does not show any specific loan specialty.

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.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 32.46
Multifamily
Mortgages
4.43
Credit Card Loans 0.00
Consumer Auto Loans 0.19
Small Business Loans 0.00
Construction and Development Loans 8.84
Commercial Real Estate 47.33
Commercial and Industrial Loans 6.11
Farm Loans 0.00

Frequently Asked Questions About Commerce National Bank & Trust

Branches and Savings

Is Commerce National Bank & Trust FDIC insured?

Yes. It is covered under FDIC Certificate #57429.

Why does Commerce National Bank & Trust pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Commerce National Bank & Trust CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Commerce National Bank & Trust a commercial bank?

Yes

Where are Commerce National Bank & Trust locations?

See branch locations nearby.

Is Commerce National Bank & Trust open on Saturdays?

Is Commerce National Bank & Trust open on Sundays?

What time does Commerce National Bank & Trust open?

What time does Commerce National Bank & Trust close?

Are Commerce National Bank & Trust ATMs Open 24/7?

Do Commerce National Bank & Trust ATMs accept cash deposits?

Can Commerce National Bank & Trust customers use other ATMs?

Do Commerce National Bank & Trust branches have notaries?

Will Commerce National Bank & Trust notarize my document?

What address for Commerce National Bank & Trust should I put for incoming ACH transfers?

Will the Commerce National Bank & Trust branch print checks?

Do Commerce National Bank & Trust checks expire?

Does Commerce National Bank & Trust require US citizenship to open account?

Can Commerce National Bank & Trust close my account?

Does Commerce National Bank & Trust Report to credit bureaus?

Does Commerce National Bank & Trust Use Equifax?

What is Commerce National Bank & Trust's ACH Routing Number?

What is Commerce National Bank & Trust's SWIFT code?

Products

Does Commerce National Bank & Trust offer mortgages?

Compare mortgage rates here.

Does Commerce National Bank & Trust offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Commerce National Bank & Trust offer personal loans?

Compare personal loan rates here.

Does Commerce National Bank & Trust offer student loans?

Will Commerce National Bank & Trust cash a check?

Will Commerce National Bank & Trust redeem a savings bond?

Does Commerce National Bank & Trust cash savings bonds?

Will Commerce National Bank & Trust cash money orders?

Can Commerce National Bank & Trust issue a money order?

Does Commerce National Bank & Trust do currency exchange?

Background on The Bank

Who owns Commerce National Bank & Trust?

How long has Commerce National Bank & Trust been around?

Can Commerce National Bank & Trust transfer to other banks?

Does Commerce National Bank & Trust have quick pay?

Does Commerce National Bank & Trust accept rolled coins?

Will Commerce National Bank & Trust accept loose change?

Where is Commerce National Bank & Trust headquarters?

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