Bank · FDIC insured
Commerce Bank & Trust
A $197.9M bank headquartered in Winter Park, FL, with 1 branch in Florida. Best rates: CDs 4.00% APY.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. Savings: rates are not published online. Auto loans: no rates found on its website. Credit cards: no rates found on its website.
- CDs854.00%for 16–30 monthsCD rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Commerce Bank & Trust
Commerce Bank & Trust is a locally owned community bank based in Winter Park, Florida.
The bank serves Central Florida's businesses, professionals, and residents.
- Headquarters
- 1201 S Orlando Ave, Winter Park, FL 32789
- FDIC certificate
- 57429 ↗
Branches
1 branch in Florida
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Florida
1 branch
- Commerce Bank & TrustMain office1201 S Orlando Ave, Winter Park, FL 32789Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 10.46% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 3.44% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 0.91% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $77 | $81 | — |
- CapitalLeverage ratio10.46%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent3.44%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets0.91%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$77Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Commerce Bank & Trust are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.