Commerce Bank
Commerce Bank reported total assets of $35.0 bn at Q2 2026, up 9.1% on a year earlier, the 61st largest of 497 banks in our US coverage. The CET1 capital ratio at Commerce Bank was 15.11%, and the uninsured share of Commerce Bank was 38.59%. Source: FDIC Call Reports.
Key takeaways
- On return on equity (ROE), Commerce Bank slipped from 37th to 262nd among 500 US banks between and (1 = highest; FDIC Call Reports).
- Since , Commerce Bank has taken over one institution; the latest was FineMark National Bank & Trust on (FDIC Call Reports).
- Commerce Bank reports one of the lowest noncurrent loans to total loans readings among banks of $10 bn to $100 bn: 0.17% at , where the median of the 126 banks is 0.66% (FDIC Call Reports).
What sets Commerce Bank apart
How large is Commerce Bank?
The balance sheet of Commerce Bank at : assets $35.0 bn, deposits $28.1 bn, net loans $20.6 bn (loans equal to 73.45% of deposits). Securities make up 23.9% of total assets at Commerce Bank. Since , when Commerce Bank held $24.4 bn, its assets grew 43.7%. In the year to , deposits at Commerce Bank rose 8.7% while its total assets rose 9.1%. At , Commerce Bank employed 4,813 full-time equivalent staff across 154 offices, about $7.3 mn of assets per employee and $182.5 mn of deposits per office.
How much funding at Commerce Bank is uninsured?
At Commerce Bank, uninsured deposits (above the FDIC limit) made up 38.59% of domestic deposits at (+0.03 pp on a year earlier); Commerce Bank ranks 208th of 500 on this measure. In dollars, Commerce Bank estimated $10.8 bn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $28.1 bn | +8.7% | 63rd of 499 |
| Net loans and leases | $20.6 bn | +17.9% | 70th of 500 |
| Loan-to-deposit ratio | 73.45% | +5.76 pp | 397th of 500 |
| Tier 1 leverage ratio | 11.43% | +0.53 pp | 136th of 500 |
| Total risk-based capital ratio | 15.92% | +0.38 pp | 125th of 448 |
| Net interest margin | 3.80% | +0.18 pp | 200th of 500 |
| Return on assets (ROA) | 1.25% | -0.52 pp | 275th of 500 |
| Efficiency ratio | 58.89% | +4.10 pp | 311th of 500 (1 = lowest) |
| Unrealized gain/loss on available-for-sale securities | Loss of $618.5 mn | Narrowed by $145.5 mn | |
| Noncurrent loans to total loans | 0.17% | -0.08 pp | 54th of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.25% | +0.01 pp | 371st of 500 (1 = lowest) |
US rank of Commerce Bank: 1 = highest unless marked 1 = lowest.
Balance sheet
Commerce Bank: assets, deposits and loans
- Total assets $35.0bn
- Deposits $28.1bn
- Net loans $20.6bn
Capital and securities
The CET1 ratio of Commerce Bank stood at 15.11% in , +0.35 pp year on year. Low and high at Commerce Bank since : 11.17% () to 15.39% (). Equity capital of Commerce Bank at : $3.9 bn, or 11.0% of total assets. Commerce Bank also reported a total capital ratio of 15.92% for , and a tier 1 leverage ratio of 11.43%.
The available-for-sale portfolio of Commerce Bank showed an unrealized loss of $618.5 mn at ; the loss narrowed by $145.5 mn over the year.
Commerce Bank: capital ratios
- Total capital 16%
- CET1 15%
- Tier 1 leverage 11%
Commerce Bank: unrealized securities gains and losses
- Available for sale -$619mn
- Held to maturity $0
Profitability and loan quality
For the year to , Commerce Bank earned a return on equity of 11.77%; return on assets: 1.25%. Net interest margin at Commerce Bank: 3.80%, +0.18 pp in a year. Commerce Bank net income: $215.3 mn, down 24.2% year on year. The efficiency ratio of Commerce Bank was 58.89%: about 59 cents cost per revenue dollar, against 56 cents at the median peer.
At , noncurrent loans were 0.17% of total loans at Commerce Bank; net charge-offs: 0.25% of average loans. Gross loans and leases at Commerce Bank: $20.8 bn, up 17.9% in a year.
Commerce Bank: profitability
- Return on equity 12%
- Net interest margin 3.8%
- Return on assets 1.3%
Peer group of Commerce Bank
The peer group of Commerce Bank is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 3 share the charter type of Commerce Bank (state member bank), 6 sit in the same size group ($10 bn to $100 bn) and 0 have head offices in Missouri. Against them, Commerce Bank shows CET1 ratio 15.11% against a peer median of 12.93%, return on equity 11.77% against a peer median of 8.92% and uninsured deposit share 38.59% against a peer median of 44.18%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| Deutsche Bank Trust Company Americas | State member bank | NY | $40.5 bn | 57.52% | 3.81% | 91.30% | |
| Atlantic Union Bank | State member bank | VA | $38.0 bn | 13.02% | 10.57% | 36.36% | |
| Hancock Whitney Bank | State nonmember bank | MS | $36.3 bn | 12.86% | 8.29% | 52.01% | |
| Commerce Bank | State member bank | MO | $35.0 bn | 15.11% | 11.77% | 38.59% | |
| Banc of California | State member bank | CA | $34.9 bn | 12.68% | -7.92% | 28.88% | |
| BankUnited | National bank | FL | $34.9 bn | 13.01% | 9.55% | 57.91% | |
| First National Bank of Omaha | National bank | NE | $34.2 bn | 12.64% | 15.91% | 33.93% | |
. FDIC Call Reports.
Last eight quarters
Two years at Commerce Bank, to : assets +11.7%, deposits +9.4%, equity +38.2%. Staff 4,547 to 4,813; offices 144 to 154.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $31.3 bn | $31.8 bn | $32.2 bn | $32.1 bn | $32.1 bn | $32.7 bn | $35.5 bn | $35.0 bn |
| Total deposits | $25.7 bn | $25.7 bn | $26.2 bn | $25.9 bn | $25.8 bn | $25.9 bn | $28.6 bn | $28.1 bn |
| Bank equity capital | $2.8 bn | $2.7 bn | $2.9 bn | $3.0 bn | $3.2 bn | $3.3 bn | $3.8 bn | $3.9 bn |
| CET1 ratio | 14.01% | 14.20% | 14.50% | 14.76% | 15.06% | 15.32% | 15.39% | 15.11% |
| Return on equity (ROE) | 12.95% | 14.84% | 19.27% | 19.71% | 19.07% | 18.60% | 14.97% | 11.77% |
| Uninsured share of domestic deposits | 39.63% | 39.04% | 39.24% | 38.56% | 39.56% | 38.38% | 39.04% | 38.59% |
| Full-time equivalent employees | 4,547 | 4,530 | 4,502 | 4,498 | 4,506 | 4,507 | 4,797 | 4,813 |
| Number of offices | 144 | 144 | 144 | 144 | 144 | 142 | 155 | 154 |
FDIC Call Reports.
Mergers and acquisitions
The FDIC history of Commerce Bank, oldest first; figures before and after each event are not like for like.
- . Absorbed FineMark National Bank & Trust (FDIC certificate 58486).
Questions and identifiers
What were the total assets of Commerce Bank?
Commerce Bank reported $35.0 bn at in its Call Report. That makes Commerce Bank the 61st largest of 497 banks in our US coverage.
Is Commerce Bank the same as its holding company?
No. This page covers Commerce Bank, FDIC certificate 24998; COMMERCE BANCSHARES INC (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is Commerce Bank profitable?
Commerce Bank reported net income of $215.3 mn for the year to ; annualized return on equity: 11.77%. So yes: Commerce Bank made a profit over these months.
When is data for Commerce Bank next updated?
Figures from Commerce Bank for are due after .
Where can I check the figures for Commerce Bank?
In the FDIC BankFind Suite record for certificate 24998, and in the Call Reports of Commerce Bank (RSSD ID 601050) at the FFIEC Central Data Repository.