Commerce Bank (Kansas City, MO): Financial Reports & UBPR Data
BankRegReports is independent of Commerce Bank and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Commerce Bank, based in Kansas City, Missouri, reported $35.0 billion in assets at June 30, 2026, up 9.1% from a year earlier. It carries problem assets equal to 0.9% of the capital and reserves that would absorb them, a small fraction of the median of 4.2% for the 127 banks with $10 billion to $100 billion in assets. It also pays an average of 1.22% on its deposits and borrowings, lower than about three-quarters of banks its size (median 1.92%).
Earnings fell sharply: quarterly net income of $82 million was 45% below a year earlier. Over the same year, loans grew 17.9% and deposits grew 8.7%. Profitability lags: it earns about $0.93 a year on every $100 of assets, lower than about three-quarters of banks its size (median $1.32).
As of June 30, 2026, Commerce Bank reported a CET1 capital ratio of 15.11%, a return on assets of 0.93%, a nonperforming-loan ratio of 0.17% and a Texas ratio of 0.94%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 1000 Walnut St, Kansas City, MO 64106
- County
- Jackson
- Metro Area
- Kansas City, MO-KS
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- February 21, 1984
- Former names
- Commerce Bank, National Association (1993-2011)
- Offices
- 153 domestic
- Employees (FTE)
- 4,813
- Domestic deposits
- $28.10B
- Allowance for credit losses
- $195.4M
- Net charge-offs (YTD)
- $24.5M
- Average total assets
- $35.36B
- Average total loans
- $19.66B
- Average interest-bearing deposits
- $19.53B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- February 21, 1984
- FDIC Cert
- 24998
- Fed RSSD
- 601050
- SEC CIK
- 22356 → filed by COMMERCE BANCSHARES, INC.
- Website
- www.commercebank.com →
- Parent Holding Company
- CBI-KANSAS, INC. (RSSD 1056835)
- Ultimate Parent
- COMMERCE BANCSHARES, INC. (RSSD 1049341)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD. The UBPR's YTD ROA divides by the average of the quarterly average assets the bank reports on Schedule RC-K, while FDIC BankFind divides by the average of quarter-end total assets, so FDIC's ROA can differ from the YTD figure by a few hundredths of a point.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Commerce Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Commerce Bank, freeCommerce Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Banks merged into Commerce Bank
- FineMark National Bank & Trust, effective January 1, 2026
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.11% | 0.93% | 0.17% | 0.94% | 3.74% |
| Q1 2026 | 15.39% | 1.49% | 0.16% | 0.86% | 3.53% |
| Q4 2025 | 15.32% | 1.69% | 0.23% | 1.16% | 3.61% |
| Q3 2025 | 15.06% | 1.73% | 0.21% | 1.14% | 3.66% |
| Q2 2025 | 14.76% | 1.87% | 0.25% | 1.32% | 3.65% |
| Q1 2025 | 14.50% | 1.67% | 0.24% | 1.39% | 3.50% |
| Q4 2024 | 14.20% | 1.68% | 0.25% | 1.50% | 3.51% |
| Q3 2024 | 14.02% | 1.73% | 0.24% | 1.41% | 3.52% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 151 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Commerce Bank (main office) | Kansas City , MO | 64106 | $4.02B |
| Clayton Branch | Clayton , MO | 63105 | $2.39B |
| Finemark Bank Branch | Fort Myers , FL | 33919 | $766.4M |
| Kirkwood Branch | Kirkwood , MO | 63122 | $659.1M |
| Wichita Waterfront Branch | Wichita , KS | 67206 | $593.0M |
| Battlefield Banking Center Branch | Springfield , MO | 65804 | $593.0M |
| Bloomington Main Branch | Bloomington , IL | 61701 | $590.3M |
| Plaza Main | Kansas City , MO | 64112 | $531.1M |
| Rock Bridge Banking Center Branch | Columbia , MO | 65201 | $473.6M |
| Naples Branch | Naples , FL | 34108 | $447.1M |
| 36th & Frederick Branch | Saint Joseph , MO | 64506 | $352.6M |
| Leawood Brance | Leawood , KS | 66211 | $300.9M |
| Fenton Branch | Fenton , MO | 63026 | $299.2M |
| St. Charles Branch | Saint Charles , MO | 63301 | $298.2M |
| Barry Road North Branch | Kansas City , MO | 64155 | $291.7M |
| 39th Street Branch | Independence , MO | 64057 | $265.7M |
| Richmond Heights Branch | Richmond Heights , MO | 63117 | $265.2M |
| Festus Branch | Festus , MO | 63028 | $260.5M |
| Lees Summit Branch | Lees Summit , MO | 64063 | $259.6M |
| Town and Country Branch | Chesterfield , MO | 63017 | $258.3M |
| Affton Branch | Affton , MO | 63123 | $252.3M |
| 135th & Lamar Branch | Overland Park , KS | 66223 | $249.4M |
| Nieman Branch | Shawnee , KS | 66203 | $235.8M |
| Monrovia Lenexa Branch | Lenexa , KS | 66215 | $220.0M |
| Ashland & Karnes Branch | Saint Joseph , MO | 64506 | $219.1M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| January 1, 2026 | M&A | Acquired FineMark National Bank & Trust merger for the acquired bank | SEC |
| January 1, 2026 | Structure Change | Acquired FineMark National Bank & Trust Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 1, 2026 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 1, 2016 | M&A | Acquired Commerce Mortgage Corp. merger for the acquired bank | SEC |
| May 1, 2016 | Structure Change | Acquired Commerce Mortgage Corp. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 1, 2013 | Structure Change | Acquired Summit Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 1, 2013 | M&A | Acquired Summit Bank merger for the acquired bank | SEC |
| September 1, 2013 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 1, 2008 | M&A | Acquired Commerce Bank, N.A. merger for the acquired bank | SEC |
| October 1, 2008 | Structure Change | Acquired Commerce Bank, N.A. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 1, 2008 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 2, 2007 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 2007 | Structure Change | Acquired Commerce Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 1, 2007 | M&A | Acquired Commerce Bank merger for the acquired bank | SEC |
| April 1, 2007 | M&A | Acquired Bank South merger for the acquired bank | SEC |
| April 1, 2007 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 1, 2007 | Structure Change | Acquired Bank South Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 1, 2006 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 1, 2006 | M&A | Acquired West Pointe Bank and Trust Company merger for the acquired bank | SEC |
| September 1, 2006 | Structure Change | Acquired West Pointe Bank and Trust Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 21, 2006 | M&A | Acquired another institution merger for the acquired bank | SEC |
| July 21, 2006 | Structure Change | Acquired another institution Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 1, 2004 | M&A | Acquired Commerce Bank, National Association merger for the acquired bank | SEC |
| August 1, 2004 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 1, 2004 | Structure Change | Acquired Commerce Bank, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 1, 2001 | M&A | Acquired The Centennial Bank merger for the acquired bank | SEC |
| March 1, 2001 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 1, 2001 | Structure Change | Acquired The Centennial Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 13, 1999 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 13, 1999 | M&A | Acquired City National Bank of Pittsburg merger for the acquired bank | SEC |
| August 13, 1999 | Structure Change | Acquired City National Bank of Pittsburg Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 8, 1999 | M&A | Acquired The Columbus State Bank merger for the acquired bank | SEC |
| July 8, 1999 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 8, 1999 | Structure Change | Acquired The Columbus State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 4, 1999 | Structure Change | Acquired The Citizens National Bank in Independence Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 4, 1999 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 4, 1999 | M&A | Acquired The Citizens National Bank in Independence merger for the acquired bank | SEC |
| November 2, 1998 | M&A | Acquired Heritage Bank of Olathe merger for the acquired bank | SEC |
| November 2, 1998 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 2, 1998 | Structure Change | Acquired Heritage Bank of Olathe Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 1, 1998 | M&A | Acquired Commerce Bank, National Association merger for the acquired bank | SEC |
| January 1, 1998 | Structure Change | Acquired Commerce Bank, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 31, 1997 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 1, 1997 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 1, 1997 | Structure Change | Acquired The Shawnee State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 1, 1997 | M&A | Acquired The Shawnee State Bank merger for the acquired bank | SEC |
| October 26, 1996 | M&A | Acquired Commerce Bank, National Association merger for the acquired bank | SEC |
| October 26, 1996 | Structure Change | Acquired Commerce Bank, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 48 events, scroll the table for the full history.
Regulatory record
What the public regulatory sources show for Commerce Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- 1 against the institution (OCC)
- January 17, 1992, OCC: Civil Money Penalty (CMP): Commerce Bank, National Association
- Period: Most recent institution action January 17, 1992. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 7.0% of deposits in MO, rank 4 of 253 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 7,330 applications, 3,789 loans originated, $760.8M originated, across 42 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 43 loans, $11.6M approved, $270K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
Add this badge to your website
Free to use. The badge always shows Commerce Bank’s most recent filed regulatory figures. It updates automatically each quarter, so it never goes stale.
Similar banks
Compare Commerce Bank with peers
Side-by-side comparison of capital, profitability, asset quality, and balance sheet. Pick a peer to view the full head-to-head.
Frequently asked about Commerce Bank
What are Commerce Bank's total assets?
As of the Q2 2026 filing, Commerce Bank reported total assets of $35.02 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Commerce Bank headquartered?
Commerce Bank is headquartered in Kansas City, MO, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Commerce Bank founded?
Commerce Bank was established in 1984, per the FDIC institution directory.
Is Commerce Bank FDIC-insured?
Yes. Commerce Bank is an FDIC-insured commercial bank (FDIC Certificate #24998). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Commerce Bank?
Commerce Bank's primary federal regulator is the Federal Reserve. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Commerce Bank's CET1 capital ratio?
Commerce Bank reported a Common Equity Tier 1 (CET1) capital ratio of 15.11% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Commerce Bank operate?
Commerce Bank operates 153 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Commerce Bank's Texas Ratio?
Commerce Bank's Texas Ratio is 0.94% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was Commerce Bank previously called?
The charter now named Commerce Bank has also operated as Commerce Bank, National Association (1993-2011), per FDIC structure-change records.
Go deeper on Commerce Bank.
Unlock the full terminal: 26 years of quarterly trends, peer benchmarking, watch flags, and Excel tearsheets for this bank and every other US institution.
Unlock Commerce Bank, freeFree account