COMMERCE BANK

KANSAS CITY, MO | Regional | Est. Feb. 21, 1984, midnight | FDIC #24998 | RSSD #601050 | FED
Latest Report: 2025-12-31

COMMERCE BANK is arn regional FDIC-insured commercial bank headquartered in KANSAS CITY, MO, established in Feb. 21, 1984, midnight. As of 2025-12-31, the bank reported total assets of $32.7B and total deposits of $25.9B. Profitability stands at 1.72% ROA and 17.22% ROE, with a net interest margin of 3.76%. The bank's CET1 capital ratio is 15.32%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.09% and a Texas Ratio of 0.51%. FDIC Certificate #24998.

Assets

$32.7B

Deposits

$25.9B

Loans

$17.8B

Equity

$3.3B

Profitability

Return on Assets (ROA) 1.72%
Return on Equity (ROE) 17.22%
Net Interest Margin (NIM) 3.76%
Yield on Assets 4.98%
Cost of Funds 2.57%

Asset Quality

NPL Ratio 0.09%
Net Charge-Off Ratio 0.23%
Texas Ratio 0.51%
NPA Ratio 0.05%
ACL / Loans 1.01%

Capital & Liquidity

CET1 Ratio 15.32%
Tier 1 Capital 15.32%
Total Capital Ratio 16.15%
Leverage Ratio 11.13%
Loan-to-Deposit 68.53%

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