🏦Bank Scorer

This institution is no longer active

Operations ceased on May 31, 2008. CRA examination history below reflects the period it was active.

COMMERCE BANK/NORTH

RAMSEY, NJ · Supervised by FDIC

Est. 1975FDIC #22,178RSSD: FDIC-22178
Part ofTD Bank, N.A.→ View all charters
Outstanding Same

Current rating · Exam: September 2006

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Adequate

ROA 0.95%

Institution Profile

FDIC BankFind

Address

1100 Lake Street, RAMSEY, NJ

County

Bergen County

Established

December 15, 1975

Total Assets

$5.6B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

September 1, 2006

Exam Type

Large Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 19 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.
Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q1 2008Call Report / FDIC

Total Assets

$5.6B

Total Deposits

$4.6B

Net Loans

$1.3B

Net Income

$12M

ROA

0.95%

ROE

7.61%

Risk-Based Capital

14.63%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

↑ Improving

Based on last 3 exams

7 previous ratings locked — dating back to 1992

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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