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This institution is no longer active

Operations ceased on June 30, 2020. CRA examination history below reflects the period it was active.

THE COMMERCE BANK

EVANSVILLE, IN · Supervised by FDIC

Est. 2006FDIC #58,279RSSD: FDIC-58279
Part ofTD Bank, N.A.→ View all charters
Satisfactory Same

Current rating · Exam: March 2017

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.46%

Institution Profile

FDIC BankFind

Address

320 Eagle Crest Drive, EVANSVILLE, IN

County

Vanderburgh County

Established

May 30, 2006

Total Assets

$183M(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

March 1, 2017

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 9 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 Q4 2019Call Report / FDIC

Total Assets

$183M

Total Deposits

$144M

Net Loans

$143M

Net Income

$852K

ROA

0.46%

ROE

3.86%

Risk-Based Capital

14.10%

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 Rate28.17%Peer avg: 7.63%▼ Below avg

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

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20248,07250.81%28.17%
20238,60950.87%29.21%
20229,73954.15%27.17%
202110,65055.43%23.67%
202012,96954.65%22.48%
201911,01558.72%22.56%
201810,79660.16%20.93%

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

2 previous ratings locked — dating back to 2009

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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