Commerce Bank
Total assets
$35.02B
▲ +9.1% YoY
Deposits
$28.10B
▲ +8.7% YoY
Loans
$20.64B
▲ +17.9% YoY
Offices
153
COMMERCE BANCSHARES INC
ROA (annualized)
1.25%
peers 1.23%
ROE (annualized)
11.77%
peers 11.23%
Peer comparison 160 banks with 10B+ in assets
| Metric | Commerce Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.1% | +5.9% | +3.2 pts |
| Deposit growth (YoY) | +8.7% | +5.7% | +3.0 pts |
| Loan growth (YoY) | +17.9% | +6.9% | +11.0 pts |
| ROA | 1.25% | 1.23% | +0.0 pts |
| ROE | 11.8% | 11.2% | +0.5 pts |
ROA ranks in the 53rd percentile of its peer group · Q2 2026
Profile
- Established
- 1984
- Charter
- State
- Primary regulator
- FED
- Holding company
- COMMERCE BANCSHARES INC
- Specialization
- Commercial Lending Specialization
- Address
- 1000 Walnut St, Kansas City, MO, 64106
- County
- Jackson
- Metro area
- Kansas City, MO-KS
- Offices
- 153
- FDIC cert #
- 24998
- RSSD ID
- 601050
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $35.02B | $28.10B | $20.64B | $3.86B | $215.3M | 1.25% | 3.81% | 0.11% |
| Q1 2026 | $35.54B | $28.64B | $20.26B | $3.83B | $133.1M | 1.56% | 3.75% | 0.10% |
| Q4 2025 | $32.72B | $25.94B | $17.60B | $3.28B | $561.6M | 1.74% | 3.66% | 0.13% |
| Q3 2025 | $32.08B | $25.83B | $17.61B | $3.17B | $422.6M | 1.76% | 3.65% | 0.12% |
| Q2 2025 | $32.10B | $25.86B | $17.50B | $3.05B | $284.0M | 1.77% | 3.62% | 0.14% |
| Q1 2025 | $32.24B | $26.20B | $17.22B | $2.90B | $134.9M | 1.68% | 3.56% | 0.13% |
| Q4 2024 | $31.81B | $25.68B | $17.06B | $2.70B | $379.3M | 1.22% | 3.54% | 0.14% |
| Q3 2024 | $31.34B | $25.70B | $16.93B | $2.79B | $244.8M | 1.06% | 3.52% | 0.14% |
Loan mix (Q2 2026): real estate $10.78B · commercial $4.57B · consumer $2.88B · securities $8.35B
Ratio pack Q2 2026 · peer medians from 160 institutions
Profitability
| Ratio | Commerce Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.25% | 1.23% | 53th | |
Return on equity Annualized net income ÷ equity or net worth | 11.8% | 11.3% | 54th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.81% | 3.55% | 66th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 58.9% | 54.9% | 69th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Commerce Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Commerce Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Commerce Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Commerce Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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