Commerce Bank & Trust is a bank based in Winter Park, Florida, established in 2003, with $179 million in total assets across 1 branch. By Trust Grade it ranks 60th of 83 banks we track in Florida. Its capital ratio of 7.8% trails most similarly sized banks (12th percentile), versus a Florida median of 9.3%. It was profitable over the most recent period, with a 0.86% return on assets. No consumer complaints against Commerce Bank & Trust appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Commerce Bank & Trust compares to Florida peers
How we graded Commerce Bank & Trust
The Trust Grade blends financial strength with complaint history. Full methodology →
- Well-capitalized (7.8% capital ratio)
- Profitable (ROA 0.86%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Commerce Bank & Trust over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (1)
- 1201 S Orlando Ave, Winter Park, FL 32789
Are deposits at Commerce Bank & Trust insured?
Yes. Commerce Bank & Trust is an FDIC-insured bank (FDIC certificate #57429). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Commerce Bank & Trust: frequently asked questions
Is Commerce Bank & Trust a good bank?
Commerce Bank & Trust earns a Bankzia Trust Grade of B (89/100, "Strong"), based on a financial-strength score of 89/100 (it has no CFPB complaints on record). Well-capitalized (7.8% capital ratio); Profitable (ROA 0.86%).
Is Commerce Bank & Trust FDIC-insured?
Yes. Commerce Bank & Trust is a FDIC-insured bank (FDIC certificate #57429). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is Commerce Bank & Trust?
Commerce Bank & Trust holds $179 million in total assets, ranking 60th of 83 banks we track in Florida. It operates 1 branch.
Does Commerce Bank & Trust have CFPB complaints?
No CFPB complaints against Commerce Bank & Trust appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
