COMMERCE B&T HOLDING EMPLOYEE STK OWNERSHIP PLAN is the bank holding company. COREFIRST BANK & TRUST is the primary bank charter regulated by the FDIC. CRA exams are conducted at the charter level, not the holding company level.

Bank Holding Company

COMMERCE B&T HOLDING EMPLOYEE STK OWNERSHIP PLAN

1 active bank · $1.3B combined assets

RSSD ID: 2883298 (FFIEC NIC)

Combined Assets

$1.3B

CRA Rating Summary

Satisfactory1charter

Across all 13 exams on record for this holding company's charters, 100% resulted in Outstanding or Satisfactory.

Primary bankCOREFIRST BANK & TRUSTTOPEKA, KSSatisfactory$1.3BView profile →

At a Glance

Dominant CRA Rating

Satisfactory

1 of 1 bank · Meets expectations for community lending

Combined Assets

$1.3B

1 active bank

Financial Summary

FDIC Call Reports

Aggregated from the most recent call report filings for all active charters.

Total Deposits

$1.1B

Net Income

$5M

ROA (avg)

1.46%

asset-weighted avg

Mortgage Lending (HMDA)

CFPB · 2024Lender rankings →

Aggregated HMDA data across all active charters for 2024.

Applications

539

Origination Rate

74.95%

Denial Rate

11.13%

Active Bank Charters1

Each charter is examined independently for CRA compliance.

Charter	Location	Regulator	Assets	Current Rating	Exam Date
COREFIRST BANK & TRUST	TOPEKA, KS	FDIC	$1.3B	Satisfactory	Feb 2023

CRA (Community Reinvestment Act) exams are conducted per charter, not per holding company. Asset figures are from the most recent FDIC call report.