$692M
+10.3%y/y
Percentile by value95th percentileby value
FDIC
LNLSGRCB
CommerceOne Bank
Birmingham, AlabamaFDIC Cert #59114
STATEEstablished 20182 branches
Holding company: COMMERCEONE FINANCIAL CORPRegulator: FDIC
FDIC
CERT + OFFDOMPortfolio mix & concentration
Loans
The composition, growth, and concentration of the loan book using reported Call Report categories.
As of Q1 2026
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $49.6M |
| Investor CRE | $158M |
| Multifamily | $39.3M |
| Construction | $67.9M |
| 1–4 family | $142M |
| C&I | $222M |
| Agriculture | $0 |
| Other | $14.1M |
Loan book
Reported balances and balance-sheet intensity.
$685M
+10.5%y/y
Percentile by value95th percentileby value
FDIC
LNLSNET+10.51%
−54.9%y/y
Percentile by value74th percentileby value
FDIC
LNLSNET85.4%
−3.4%y/y
Percentile by value62nd percentileby value
FDIC
LNLSNET + DEP76.9%
−3.4%y/y
Percentile by value75th percentileby value
FDIC
LNLSNET + ASSET79.98%
−5.6%y/y
Percentile by value36th percentileby value
FDIC
LNRE + LNLSGRConcentration
Portfolio concentration relative to loans and risk-based capital.
291%
−4.5%y/y
Percentile by value86th percentileby value
Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC75%
−0.3%y/y
Percentile by value81st percentileby value
Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.
FDIC
LNRECONS + RBC2,341points
+9.3%y/y
Peer standing41st percentile
FDIC
LNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD7.16%
−4.1%y/y
Percentile by value25th percentileby value
FDIC
LNRENROW + LNLSGR22.76%
−4.8%y/y
Percentile by value77th percentileby value
FDIC
LNRENROT + LNLSGR32.01%
+20.0%y/y
Percentile by value97th percentileby value
FDIC
LNCI + LNLSGR