BanksCOMMERCE BANK

COMMERCE BANK

KANSAS CITY, MORegionalEst. Feb. 21, 1984, midnightFDIC #24998RSSD #601050FED
Latest · 2025-12-31

COMMERCE BANK is an 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%. CET1 capital ratio: 15.32%, well above regulatory minimums. NPL ratio: 0.09% · Texas Ratio: 0.51%. Operates 142 domestic branches.

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 Margin3.76%
Yield on Assets4.98%
Cost of Funds1.40%

Asset Quality

NPL Ratio0.09%
Net Charge-Off Ratio0.23%
Texas Ratio0.51%
NPA Ratio0.05%
ACL / Loans1.01%

Capital & Liquidity

CET1 Ratio15.32%
Tier 1 Capital15.32%
Total Capital Ratio16.15%
Leverage Ratio11.13%
Loan-to-Deposit68.53%

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