CommerceFirst Bank


1804 West Street
Annapolis, MD 21401
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 0.85% →
1-Year CD N.A. 0.80% →
2-Year CD N.A. 0.80% →
5-Year CD N.A. 1.15% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Bank Information

CommerceFirst Bank is an FDIC insured institution located in Annapolis, MD. It was founded in 2000 and has approximately $0.2 billion in assets.

FDIC Insured Yes
FDIC Certificate # 35475
Date Established 2000
Assets $ 204.84 million
Loans $ 176.66 million
Deposits $ 180.21 million
Capital $ 23.48 million

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

Deposit Rates - September 22, 2021

Your Current Location: California, CA 92111


Loan Rates - September 22, 2021

Your Current Location: California, CA 92111

There are currently no loan rates available for CommerceFirst Bank

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

Featured - California 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Monthly
Learn More
NMLS ID: 1907
2.808% 2.750%
-0.25 points
$1,875 fees
$1,021 Learn More
CashCall Mortgage
NMLS ID: 128231
2.789% 2.750%
0.50 points
$1,250 fees
$1,021 Learn More

Featured - California Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
BMO Harris Bank
BMO Harris Bank
See Table
Intro APR 1.790 %
After Intro: 4.840 %
Intro Period: 6 months
$0 Learn More
More Info
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
2.240 %
$0 Learn More
More Info

Note to CommerceFirst Bank
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CommerceFirst Bank 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:
San Diego,California

CommerceFirst Bank Locations

Financial Details

CommerceFirst Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of CommerceFirst 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
CommerceFirst Bank U.S. Bank Average
27.65% 5.29%

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 March 31, 2021, CommerceFirst Bank had $3,215,000 in non-current loans and $4,232,000 in owned real estate. To cover these potential losses it had $23,479,000 in equity and $3,457,000 in loans loss reserves. That gives it a Texas Ratio of 27.65%.

Return on Equity
CommerceFirst Bank U.S. Bank Average
9.69% 11.43%

CommerceFirst Bank has a Return on Equity of 9.69% versus the BestCashCow average of 11.43%. 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.

CommerceFirst Bank U.S. Bank Average
11.46% 11.51%

CommerceFirst Bank has a Capitalization of 11.46% versus the BestCashCow average of 11.51. 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.

CommerceFirst Bank Balance Sheet Analysis

As of March 31, 2012, CommerceFirst Bank had assets of $204,836,000, loans of $176,664,000, and deposits of $180,211,000. 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, 2021
Cash & Balances due from depository institutions N.A.
Interest-bearing balances N.A.
Total securities N.A.
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 176.66 million
Loan loss allowance $ 3.46 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 4.23 million
Goodwill and other intangibles N.A.
All other assets N.A.
     Total Assets N.A.
Total deposits $ 180.21 million
      Interest-bearing deposits N.A.
      Deposits held in domestic offices N.A.
      % insured (estimated) 0.00%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities N.A.
      Total Liabilities N.A.
      Shareholders’ Equity $ 204.84 million

Summary Income Statement

March 31, 2021
Total Interest Income N.A.
Total Interest Expense N.A.
Net interest income N.A.
Provision for loan and lease losses N.A.
Total non interest income N.A.
Total non interest expense N.A.
Pre-tax Net Operating Income N.A.

Bank Loan Profile?

The top three loan types in CommerceFirst Bank’s loan portfolio are 1-4 Family Residential Loans, Multifamily Mortgages, and Credit Card Loans.

Compared to other banks, CommerceFirst Bank’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.

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

Frequently Asked Questions About Commercefirst Bank

Branches and Savings

Is Commercefirst Bank FDIC insured?

Yes. It is covered under FDIC Certificate #35475.

Why does Commercefirst Bank pay such low interest on savings accounts?

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

Why are Commercefirst Bank CD rates not competitive?

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

Is Commercefirst Bank a commercial bank?


Where are Commercefirst Bank locations?

See branch locations nearby.

Is Commercefirst Bank open on Saturdays?

Is Commercefirst Bank open on Sundays?

What time does Commercefirst Bank open?

What time does Commercefirst Bank close?

Are Commercefirst Bank ATMs Open 24/7?

Do Commercefirst Bank ATMs accept cash deposits?

Can Commercefirst Bank customers use other ATMs?

Do Commercefirst Bank branches have notaries?

Will Commercefirst Bank notarize my document?

What address for Commercefirst Bank should I put for incoming ACH transfers?

Will the Commercefirst Bank branch print checks?

Do Commercefirst Bank checks expire?

Does Commercefirst Bank require US citizenship to open account?

Can Commercefirst Bank close my account?

Does Commercefirst Bank Report to credit bureaus?

Does Commercefirst Bank Use Equifax?

What is Commercefirst Bank's ACH Routing Number?

What is Commercefirst Bank's SWIFT code?


Does Commercefirst Bank offer mortgages?

Compare mortgage rates here.

Does Commercefirst Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Commercefirst Bank offer personal loans?

Compare personal loan rates here.

Does Commercefirst Bank offer student loans?

Will Commercefirst Bank cash a check?

Will Commercefirst Bank redeem a savings bond?

Does Commercefirst Bank cash savings bonds?

Will Commercefirst Bank cash money orders?

Can Commercefirst Bank issue a money order?

Does Commercefirst Bank do currency exchange?

Background on The Bank

Who owns Commercefirst Bank?

How long has Commercefirst Bank been around?

Can Commercefirst Bank transfer to other banks?

Does Commercefirst Bank have quick pay?

Does Commercefirst Bank accept rolled coins?

Will Commercefirst Bank accept loose change?

Where is Commercefirst Bank headquarters?

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