Commerce Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
The standout move of Q2 2026 was in Retained earnings: 7.8% higher than in Q1 2026, at $4.2M. Commerce Bank ranks 44th of 162 Minnesota banks on CET1 ratio, in the upper half at 17.11% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.08% on CET1 ratio. Commerce Bank sits 2.03 points higher, at 17.11% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 17.11% |
| Tier 1 risk-based capital ratio | 17.11% |
| Total risk-based capital ratio | 18.37% |
| Tier 1 leverage ratio | 13.87% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $31.3M |
| Tier 1 capital | $31.3M |
| Total risk-based capital | $33.6M |
| Total equity capital | $29.1M |
| Risk-weighted assets | $182.8M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 13.24% |
| Tangible equity to tangible assets | 13.19% |
| Equity capital to average assets | 12.91% |
| Internal capital growth rate | 4.23% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $25K |
| Common stock surplus | $27.1M |
| Retained earnings | $4.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$2.3M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 13.99% | 13.99% | 15.24% | 12.08% | $210.8M |
| Q4 2023 | 13.49% | 13.49% | 14.74% | 11.65% | $219.6M |
| Q1 2024 | 14.00% | 14.00% | 15.26% | 11.58% | $212.0M |
| Q2 2024 | 13.96% | 13.96% | 15.21% | 11.66% | $213.4M |
| Q3 2024 | 13.76% | 13.76% | 15.02% | 11.55% | $217.3M |
| Q4 2024 | 14.62% | 14.62% | 15.87% | 11.88% | $205.6M |
| Q1 2025 | 14.95% | 14.95% | 16.21% | 12.21% | $201.6M |
| Q2 2025 | 14.88% | 14.88% | 16.14% | 12.32% | $203.4M |
| Q3 2025 | 15.37% | 15.37% | 16.62% | 12.40% | $198.1M |
| Q4 2025 | 15.96% | 15.96% | 17.22% | 12.89% | $192.6M |
| Q1 2026 | 16.46% | 16.46% | 17.71% | 13.35% | $188.2M |
| Q2 2026 | 17.11% | 17.11% | 18.37% | 13.87% | $182.8M |
Commerce Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Commerce Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Commerce Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10212) · FFIEC NIC profile (RSSD 49054)