🏦Bank Scorer

This institution is no longer active

Operations ceased on March 31, 2023. CRA examination history below reflects the period it was active.

COMMERCE STATE BANK

WEST BEND, WI · Supervised by FDIC

Est. 2005FDIC #58,020RSSD: FDIC-58020
Part ofCOMMERCE FINL HOLDINGS INC→ View all charters
Satisfactory Same

Current rating · Exam: May 2020

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.61%

Institution Profile

FDIC BankFind

Address

1700 S Silverbrook Dr, WEST BEND, WI

County

Washington County

Established

August 31, 2005

Total Assets

$847M(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

Satisfactory

Meets federal requirements for community lending

Exam Date

May 1, 2020

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 6 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 Q3 2022Call Report / FDIC

Total Assets

$847M

Total Deposits

$657M

Net Loans

$762M

Net Income

$10M

ROA

1.61%

ROE

15.12%

Risk-Based Capital

12.86%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate6.78%Peer avg: 7.63%▲ Above avg

Unlock peer list → See which specific banks are in this peer group.

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202160581.98%6.78%
202068686.44%3.21%
201959983.47%5.68%
201856682.51%6.71%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

4 previous ratings locked — dating back to 2008

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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