FineMark National Bank & Trust (merged into Commerce Bank)
FineMark National Bank & Trust reported total assets of $3.9 bn at Q4 2025, its last Call Report before it merged into Commerce Bank. The CET1 capital ratio at FineMark National Bank & Trust was 18.27%, and the uninsured share of FineMark National Bank & Trust was 30.44%. Source: FDIC Call Reports.
What sets FineMark National Bank & Trust apart
Nothing in the latest data sets FineMark National Bank & Trust apart from banks of its size: no ratio in the top or bottom tenth of its size group, no large rank move or year change, and no acquisition in the FDIC history since 2016. This page is kept out of search results until that changes.
How large is FineMark National Bank & Trust?
The balance sheet of FineMark National Bank & Trust at : assets $3.9 bn, deposits $3.1 bn, net loans $2.7 bn (loans equal to 86.42% of deposits). Securities make up 14.0% of total assets at FineMark National Bank & Trust. Since , when FineMark National Bank & Trust held $1.2 bn, its assets grew 225.6%. In the year to , deposits at FineMark National Bank & Trust fell 5.2% while its total assets fell 4.5%. At , FineMark National Bank & Trust employed 300 full-time equivalent staff across 13 offices, about $13.1 mn of assets per employee and $239.8 mn of deposits per office.
How much funding at FineMark National Bank & Trust is uninsured?
At FineMark National Bank & Trust, uninsured deposits (above the FDIC limit) made up 30.44% of domestic deposits at (-11.03 pp on a year earlier). In dollars, FineMark National Bank & Trust estimated $948.9 mn of uninsured deposits.
Key facts, Q4 2025
| Metric | Value | A year earlier | US rank |
|---|---|---|---|
| Total deposits | $3.1 bn | $3.3 bn (Q4 2024) | |
| Net loans and leases | $2.7 bn | $2.7 bn (Q4 2024) | |
| Loan-to-deposit ratio | 86.42% | 81.18% (Q4 2024) | |
| Tier 1 leverage ratio | 10.42% | 9.96% (Q4 2024) | |
| Total risk-based capital ratio | 19.29% | 18.44% (Q4 2024) | |
| Net interest margin | 1.98% | 1.32% (Q4 2024) | |
| Return on assets (ROA) | 0.38% | 0.20% (Q4 2024) | |
| Efficiency ratio | 85.21% | 87.91% (Q4 2024) | |
| Unrealized gain/loss on held-to-maturity securities | Loss of $5.8 mn | Narrowed by $3.2 mn | |
| Unrealized gain/loss on available-for-sale securities | Loss of $20.8 mn | Narrowed by $24.9 mn | |
| Noncurrent loans to total loans | 0.04% | 0.07% (Q4 2024) | |
| Net charge-offs to average loans | 0.01% | 0.03% (Q4 2024) |
US rank of FineMark National Bank & Trust: 1 = highest unless marked 1 = lowest.
Balance sheet
FineMark National Bank & Trust: assets, deposits and loans
- Total assets $3.9bn
- Deposits $3.1bn
- Net loans $2.7bn
Capital and securities
The CET1 ratio of FineMark National Bank & Trust stood at 18.27% in , +0.83 pp year on year. Low and high at FineMark National Bank & Trust since : 12.77% () to 18.91% (). Equity capital of FineMark National Bank & Trust at : $379.4 mn, or 9.7% of total assets. FineMark National Bank & Trust also reported a total capital ratio of 19.29% for , and a tier 1 leverage ratio of 10.42%.
On held-to-maturity securities, FineMark National Bank & Trust carried an unrealized loss of $5.8 mn at , equal to 1.5% of equity capital. The loss narrowed by $3.2 mn over the year. Its deepest point: $12.6 mn in . The available-for-sale portfolio of FineMark National Bank & Trust showed an unrealized loss of $20.8 mn at ; the loss narrowed by $24.9 mn over the year.
FineMark National Bank & Trust: capital ratios
- Total capital 19%
- CET1 18%
- Tier 1 leverage 10%
FineMark National Bank & Trust: unrealized securities gains and losses
- Available for sale -$21mn
- Held to maturity -$6mn
Profitability and loan quality
For the year to , FineMark National Bank & Trust earned a return on equity of 3.89%; return on assets: 0.38%. Net interest margin at FineMark National Bank & Trust: 1.98%, +0.66 pp in a year. FineMark National Bank & Trust net income: $15.1 mn, up 83.0% year on year. The efficiency ratio of FineMark National Bank & Trust was 85.21%: about 85 cents cost per revenue dollar, against 58 cents at the median peer.
At , noncurrent loans were 0.04% of total loans at FineMark National Bank & Trust; net charge-offs: 0.01% of average loans. Gross loans and leases at FineMark National Bank & Trust: $2.7 bn at , against $2.7 bn at .
FineMark National Bank & Trust: profitability
- Return on equity 3.9%
- Net interest margin 2.0%
- Return on assets 0.4%
Peer group of FineMark National Bank & Trust
The peer group of FineMark National Bank & Trust is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 0 share the charter type of FineMark National Bank & Trust (national bank) and 0 have head offices in Florida. Against them, FineMark National Bank & Trust shows CET1 ratio 18.27% against a peer median of 12.69%, return on equity 3.89% against a peer median of 9.96% and uninsured deposit share 30.44% against a peer median of 35.75%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| First Bank | State nonmember bank | NJ | $4.0 bn | 10.67% | 10.29% | 36.25% | |
| Woori America Bank | State nonmember bank | NY | $4.0 bn | 18.35% | 7.34% | 63.89% | |
| Central Bank & Trust Co. | State nonmember bank | KY | $3.9 bn | 14.80% | 9.64% | 35.24% | |
| FineMark National Bank & Trust | National bank | FL | $3.9 bn | 18.27% | 3.89% | 30.44% | |
| Bank of Marin | State nonmember bank | CA | $3.9 bn | 12.69% | -8.09% | 38.34% | |
| Bravera Bank | State nonmember bank | ND | $3.8 bn | 11.57% | 11.50% | 18.06% | |
| Bank of the Sierra | State nonmember bank | CA | $3.8 bn | not reported | 10.96% | 27.20% | |
. FDIC Call Reports.
Last eight quarters
Two years at FineMark National Bank & Trust, to : assets $4.2 bn to $3.9 bn, deposits $3.1 bn to $3.1 bn, equity $348.2 mn to $379.4 mn. Staff 263 to 300; offices 14 to 13.
| Metric | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $4.2 bn | $4.1 bn | $4.3 bn | $4.1 bn | $4.0 bn | $3.9 bn | $3.9 bn | $3.9 bn |
| Total deposits | $3.1 bn | $3.0 bn | $3.1 bn | $3.3 bn | $3.1 bn | $3.1 bn | $3.1 bn | $3.1 bn |
| Bank equity capital | $348.2 mn | $355.1 mn | $374.0 mn | $375.4 mn | $385.5 mn | $394.3 mn | $407.4 mn | $379.4 mn |
| CET1 ratio | 17.42% | 17.26% | 17.21% | 17.44% | 18.14% | 18.61% | 18.91% | 18.27% |
| Return on equity (ROE) | 1.53% | 1.48% | 1.64% | 2.33% | 4.82% | 5.00% | 5.12% | 3.89% |
| Uninsured share of domestic deposits | 35.99% | 36.49% | 40.69% | 41.47% | 42.47% | 41.58% | 41.35% | 30.44% |
| Full-time equivalent employees | 263 | 281 | 285 | 289 | 299 | 298 | 295 | 300 |
| Number of offices | 14 | 14 | 14 | 13 | 13 | 13 | 13 | 13 |
FDIC Call Reports.
Mergers and acquisitions
The FDIC history of FineMark National Bank & Trust, oldest first; figures before and after each event are not like for like.
- . Merged into Commerce Bank (FDIC certificate 24998).
Questions and identifiers
What were the total assets of FineMark National Bank & Trust?
FineMark National Bank & Trust reported $3.9 bn at in its Call Report.
Is FineMark National Bank & Trust the same as its holding company?
No. This page covers FineMark National Bank & Trust, FDIC certificate 58486; FINEMARK HOLDINGS INC (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is FineMark National Bank & Trust profitable?
FineMark National Bank & Trust reported net income of $15.1 mn for the year to ; annualized return on equity: 3.89%. So yes: FineMark National Bank & Trust made a profit over these months.
When is data for FineMark National Bank & Trust next updated?
FineMark National Bank & Trust no longer files Call Reports; its data ends at .
Where can I check the figures for FineMark National Bank & Trust?
In the FDIC BankFind Suite record for certificate 58486, and in the Call Reports of FineMark National Bank & Trust (RSSD ID 3547131) at the FFIEC Central Data Repository.