Commerce State Bank

1700 S Silverbrook Dr
West Bend, WI 53095


2019 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 58020
Date Established 2005
Assets $0.66 billion
Loans $0.55 billion
Deposits $0.57 billion
Capital $0.06 billion

Commerce State Bank is an FDIC insured institution located in West Bend, WI. It was founded in 2005 and has approximately $0.66 billion in assets. Customers can open an account at one of its 4 branches.

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

Bank Loan Profile?

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

Compared to other banks in Wisconsin, Commerce State 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 20.01
Credit Card Loans 0.00
Consumer Auto Loans 0.01
Small Business Loans 14.59
Construction and Development Loans 5.90
Commercial Real Estate 39.22
Commercial and Industrial Loans 29.41
Farm Loans 0.00

Deposit Rates - June 25, 2019

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
Money Market
0.10% $2,000 $9,999 Learn MoreShow Less
Money Market
0.25% $10,000 $24,999 Learn MoreShow Less
Money Market
0.50% $25,000 $99,999 Learn MoreShow Less
3 Mo CD
1.05% $5,000 - Learn MoreShow Less
6 Mo CD
1.30% $5,000 - Learn MoreShow Less
12 Mo CD
1.55% $5,000 - Learn MoreShow Less
24 Mo CD
1.80% $5,000 - Learn MoreShow Less
36 Mo CD
2.05% $5,000 - Learn MoreShow Less
48 Mo CD
2.40% $5,000 - Learn MoreShow Less
60 Mo CD
2.70% $5,000 - Learn MoreShow Less

Fixed IRA
1.55% $5,000 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.05% $1 $4,999 Learn MoreShow Less

Loan Rates - June 25, 2019

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Commerce State Bank

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

Featured - Virginia 30 Year Fixed Mortgage Rates 2019

Lender APR Rate (%) Points Fees Monthly
Learn More
Rocket Mortgage
NMLS ID: 3030
4.500% 4.500% 0.00 $0 $1,267 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
PenFed Credit Union
PenFed Credit Union
5.500 %
$0 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
4.490 %
$0 Learn More
More Info

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

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Commerce State Bank Locations

Financial Details

Commerce State Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Commerce State 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
Commerce State Bank U.S. Bank Average
9.66% 6.97%

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 December 31, 2018, Commerce State Bank had $6,018,000 in non-current loans and $469,000 in owned real estate. To cover these potential losses it had $61,283,000 in equity and $5,836,000 in loans loss reserves. That gives it a Texas Ratio of 9.66%.

Return on Equity
Commerce State Bank U.S. Bank Average
12.38% 8.80%

Commerce State Bank has a Return on Equity of 12.38% versus the BestCashCow average of 8.80%. 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.

Commerce State Bank U.S. Bank Average
9.36% 12.29%

Commerce State Bank has a Capitalization of 9.36% versus the BestCashCow average of 12.29. 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 State Bank Balance Sheet Analysis

As of December 31, 2018, Commerce State Bank had assets of $655,008,000, loans of $553,256,000, and deposits of $565,966,000. 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, 2018
Cash & Balances due from depository institutions $0.04 billion
Interest-bearing balances $0.03 billion
Total securities $0.03 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.55 billion
Loan loss allowance $0.01 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 $0.01 billion
     Total Assets $0.59 billion
Total deposits $0.57 billion
      Interest-bearing deposits $0.49 billion
      Deposits held in domestic offices $0.57 billion
      % insured (estimated) 79.14%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.02 billion
Subordinated debt $0.00 billion
All other liabilities $0.01 billion
      Total Liabilities $0.59 billion
      Shareholders’ Equity $0.06 billion

Summary Income Statement

December 31, 2018
Total Interest Income $0.03 billion
Total Interest Expense $0.01 billion
Net interest income $0.02 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.01 billion
Pre-tax Net Operating Income $0.01 billion

Frequently Asked Questions About Commerce State Bank

Branches and Savings

Is Commerce State Bank FDIC insured?

Yes. It is covered under FDIC Certificate #58020.

Why does Commerce State Bank pay such low interest on savings accounts?

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

Why are Commerce State Bank CD rates not competitive?

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

Is Commerce State Bank a commercial bank?


Where are Commerce State Bank locations?

See branch locations nearby.

Is Commerce State Bank open on Saturdays?

Is Commerce State Bank open on Sundays?

What time does Commerce State Bank open?

What time does Commerce State Bank close?

Are Commerce State Bank ATMs Open 24/7?

Do Commerce State Bank ATMs accept cash deposits?

Can Commerce State Bank customers use other ATMs?

Do Commerce State Bank branches have notaries?

Will Commerce State Bank notarize my document?

What address for Commerce State Bank should I put for incoming ACH transfers?

Will the Commerce State Bank branch print checks?

Do Commerce State Bank checks expire?

Does Commerce State Bank require US citizenship to open account?

Can Commerce State Bank close my account?

Does Commerce State Bank Report to credit bureaus?

Does Commerce State Bank Use Equifax?

What is Commerce State Bank's ACH Routing Number?

What is Commerce State Bank's SWIFT code?


Does Commerce State Bank offer mortgages?

Compare mortgage rates here.

Does Commerce State Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Commerce State Bank offer personal loans?

Compare personal loan rates here.

Does Commerce State Bank offer student loans?

Will Commerce State Bank cash a check?

Will Commerce State Bank redeem a savings bond?

Does Commerce State Bank cash savings bonds?

Will Commerce State Bank cash money orders?

Can Commerce State Bank issue a money order?

Does Commerce State Bank do currency exchange?

Background on The Bank

Who owns Commerce State Bank?

How long has Commerce State Bank been around?

Can Commerce State Bank transfer to other banks?

Does Commerce State Bank have quick pay?

Does Commerce State Bank accept rolled coins?

Will Commerce State Bank accept loose change?

Where is Commerce State Bank headquarters?

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