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BanksCommerce Bank

Commerce Bank

KANSAS CITY, MORegionalEst. Jan 1, 1865FDIC #1154RSSD #601050OCC
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Commerce completed a merger involving an acquired institution in January 2026. Commerce Bank is a regional commercial bank serving Missouri and adjacent markets, with headquarters in Kansas City. Commerce's Q1 2026 balance sheet shows $35.5B in assets funded primarily by $28.6B in customer deposits. Profitability is strong — 1.49% ROA, paired with 14.97% ROE and a 3.53% net interest margin. Capital cushions are healthy: 15.39% CET1, 11.31% Tier 1 leverage. Credit metrics are in line with industry norms — 0.56% NPL ratio. A 142-branch network serves customers across multiple states.

Headquarters Profile

Address
1000 Walnut Street, KANSAS CITY, MO 64106
County
Jackson
Metro Area
KANSAS CITY, MO-KS
Charter
Commercial bank, national (federal) charter, Fed member, OCC-supervised
Primary Regulator
OCC
Fed District
11
Established
January 1, 1865
Branches
142 domestic
Employees (FTE)
4797
FDIC Cert
1154
Fed RSSD
601050
Parent Holding Company
CBI-KANSAS, INC. (RSSD 1056835)
Assets
$35.5B
Deposits
$28.6B
Loans
$20.5B
Equity
$3.8B

Profitability

Return on Assets1.49%
Return on Equity14.97%
Net Interest Margin3.53%
Yield on Earning Assets4.68%
Cost of Funds1.29%

Asset Quality

Non-Performing Loan Ratio0.56%
Net Charge-Off Ratio0.31%
Texas Ratio3.81%
Non-Performing Asset Ratio0.33%
ACL / Loans0.97%

Capital & Liquidity

CET1 Capital Ratio15.39%
Tier 1 Capital Ratio15.39%
Total Capital Ratio16.21%
Tier 1 Leverage Ratio11.31%
Loan-to-Deposit Ratio71.45%

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Commerce Bank rankings

How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.

Largest US Banks by Assets
#64of 4,552
35540239.00 · 99th pct
US Banks with Highest Return on Assets (ROA)
#1,224of 3,912
1.49% · 69th pct
US Banks with Highest CET1 Capital Ratio
#916of 2,425
15.39% · 62th pct
US Banks with Highest Texas Ratio
#2,018of 3,908
3.81% · 48th pct
US Banks with Highest Share of Uninsured Deposits
#336of 1,072
39.04% · 69th pct
Most Efficient US Banks (Lowest Efficiency Ratio)
#1,636of 3,911
59.29% · 58th pct

Quarterly trend — last 6 quarters

Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.

QuarterCET1ROANPLTexasNIM
2026-03-3115.39%1.49%0.56%3.81%3.53%
2025-12-3115.32%1.69%0.98%6.08%3.61%
2025-09-3015.06%1.73%1.15%7.12%3.66%
2025-06-3014.76%1.87%1.25%8.09%3.65%
2025-03-3114.50%1.67%1.42%9.18%3.50%
2024-12-3114.20%1.68%1.05%7.61%3.51%

Branch Network

Every branch from the FDIC Summary of Deposits — mapped, and listed with the deposits booked at each location.

…
BranchLocationZIPDeposits
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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.

  1. Structure Change
    Charter Discontinued (Merger or Purchase & Assumption)
    FFIEC NIC
  2. Merger
    Participated in Absorption/Consolidation/Merger
    FDIC
  3. Structure Change
    Charter Discontinued (Merger or Purchase & Assumption)
    FFIEC NIC
  4. Structure Change
    Charter Discontinued (Merger or Purchase & Assumption)
    FFIEC NIC
  5. Merger
    Participated in Absorption/Consolidation/Merger
    FDIC
  6. Structure Change
    Charter Discontinued (Merger or Purchase & Assumption)
    FFIEC NIC
  7. Merger
    Participated in Absorption/Consolidation/Merger
    FDIC
  8. Merger
    Participated in Absorption/Consolidation/Merger
    FDIC
  9. Structure Change
    Charter Discontinued (Merger or Purchase & Assumption)
    FFIEC NIC
  10. Structure Change
    Charter Discontinued (Merger or Purchase & Assumption)
    FFIEC NIC
  11. Merger
    Participated in Absorption/Consolidation/Merger
    FDIC
  12. Structure Change
    Charter Discontinued (Merger or Purchase & Assumption)
    FFIEC NIC
  13. Merger
    Participated in Absorption/Consolidation/Merger
    FDIC
  14. Structure Change
    Charter Discontinued (Merger or Purchase & Assumption)
    FFIEC NIC
  15. Structure Change
    Charter Discontinued (Merger or Purchase & Assumption)
    FFIEC NIC
  16. Merger
    Participated in Absorption/Consolidation/Merger
    FDIC
  17. Structure Change
    Charter Discontinued (Merger or Purchase & Assumption)
    FFIEC NIC
  18. Merger
    Participated in Absorption/Consolidation/Merger
    FDIC
  19. Structure Change
    Charter Discontinued (Merger or Purchase & Assumption)
    FFIEC NIC
  20. Merger
    Participated in Absorption/Consolidation/Merger
    FDIC
  21. Structure Change
    Charter Discontinued (Merger or Purchase & Assumption)
    FFIEC NIC
  22. Merger
    Participated in Absorption/Consolidation/Merger
    FDIC
  23. Structure Change
    Charter Discontinued (Merger or Purchase & Assumption)
    FFIEC NIC
  24. Merger
    Participated in Absorption/Consolidation/Merger
    FDIC
  25. Structure Change
    Charter Discontinued (Merger or Purchase & Assumption)
    FFIEC NIC
  26. Merger
    Participated in Absorption/Consolidation/Merger
    FDIC
  27. Structure Change
    Charter Discontinued (Merger or Purchase & Assumption)
    FFIEC NIC
  28. Merger
    Participated in Absorption/Consolidation/Merger
    FDIC
  29. Structure Change
    Charter Discontinued (Merger or Purchase & Assumption)
    FFIEC NIC
  30. Merger
    Participated in Absorption/Consolidation/Merger
    FDIC
  31. Structure Change
    Charter Discontinued (Merger or Purchase & Assumption)
    FFIEC NIC
  32. Merger
    Participated in Absorption/Consolidation/Merger
    FDIC
  33. Structure Change
    Charter Discontinued (Merger or Purchase & Assumption)
    FFIEC NIC
  34. Merger
    Participated in Absorption/Consolidation/Merger
    FDIC
  35. Structure Change
    Charter Discontinued (Merger or Purchase & Assumption)
    FFIEC NIC

Sourced from unified bank events (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 35 events.

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Commerce Bank vs Banc of California
LOS ANGELES, CA · $34.6B assets
Commerce Bank vs Central Trust Bank, the
JEFFERSON CITY, MO · $20.5B assets
Commerce Bank vs Stifel Bank and Trust
SAINT LOUIS, MO · $20.1B assets

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Frequently asked about Commerce Bank

What are Commerce Bank's total assets?

As of the Q1 2026 filing, Commerce Bank reported total assets of $35.54 billion in its most recent 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 required of all FDIC-insured commercial banks.

When was Commerce Bank founded?

Commerce Bank was established in 1865, per the FDIC institution directory.

Is Commerce Bank FDIC-insured?

Yes. Commerce Bank is an FDIC-insured commercial bank (FDIC Certificate #1154). 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 OCC. 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 15.39% in its most recent quarterly filing — comfortably above the 7% well-capitalized regulatory floor.

How many branches does Commerce Bank operate?

Commerce Bank operates 142 domestic branches, per the most recent FDIC Summary of Deposits filing.

What is Commerce Bank's Texas Ratio?

Commerce Bank's Texas Ratio is 3.81% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.

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