Commerce Bank (Kansas City, MO)
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Data as of · sourced from FFIEC call reports. How we update
Commerce Bank is an FDIC-insured commercial bank headquartered in Kansas City, MO, established in 1984 (FDIC certificate 24998), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $35.02B, up 9.1% from Q2 2025, the 2nd largest of 191 banks headquartered in Missouri. Its CET1 capital ratio was 15.11% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 24998
- Headquarters
- Kansas City, MO
- Established
- 1984
- Total assets, Q2 2026
- $35.02B
- Assets vs Q2 2025
- +9.1%
- CET1 ratio, Q2 2026
- 15.11%
- Domestic offices
- 154 FDIC institution directory, current count
- Routing number
- 101000019
- Latest call report
- Q2 2026, FFIEC 041 · Commerce Bank call report
- Holding company
- CBI-KANSAS, INC.
- Asset rank in state
- 2nd of 191 in Missouri
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%. The figures come from its call report filed with the FFIEC.
Commerce Bank ranks as the 2nd largest of the 191 banks based in Missouri, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 1.5% to $35.02B, loans rose 1.8% and deposits fell 1.9%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 25.1% of total loans, ahead of commercial and industrial loans at 21.9%. On its Q2 2026 call report, Commerce Bank meets every capital ratio test for well capitalized.
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)
- Domestic offices
- 154 FDIC institution directory, current count
- 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)
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| John W Kemper | CEO | President and CEO |
| David W Kemper | CHR | Executive Chairman |
| Charles G Kim | CFO | Exec. Vice President and CFO |
| David L Orf | CCO | Exec. Vice President & CCO |
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Commerce Bank's total assets ranged from $30.20B (Q1 2024) to $35.54B (Q1 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$35.02B total assets against $32.10B; $31.16B total liabilities against $29.05B.
$20.64B net loans and leases against $17.50B; $28.10B total deposits against $25.86B.
$8.35B securities against $8.95B; $2.92B cash and balances due against $3.17B.
$403.9M total interest income against $367.5M; $92.7M total interest expense against $92.0M.
$311.2M net interest income against $275.5M.
$179.3M total noninterest income against $161.5M; $288.2M total noninterest expense against $236.5M.
$8.7M provision for credit losses against $5.6M.
$82.2M net income against $149.1M.
0.93% return on assets against 1.87%; 3.74% net interest margin against 3.65%.
15.11% CET1 capital ratio against 14.76%; 11.43% tier 1 leverage ratio against 10.91%.
Inside the full Commerce Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeCommerce Bank rankings
Its closest position to the top of a national ranking is 60 of 4,196, for total assets; its furthest is 2,712 of 3,640, for Texas Ratio.
Banks merged into Commerce Bank
- FineMark National Bank & Trust, effective January 1, 2026
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.93% (Q2 2026) to 1.87% (Q2 2025) and its net interest margin ran from 3.50% (Q1 2025) to 3.74% (Q2 2026).
| 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
View all 151 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| 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
Facts as filed or published, not a rating.
- 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 249 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).
- Not on file
- Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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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.
Where is Commerce Bank headquartered?
It is headquartered in Kansas City, MO, United States.
When was Commerce Bank founded?
It was established in 1984, per the FDIC institution directory.
Is Commerce Bank FDIC-insured?
Yes. It 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.
What is Commerce Bank's CET1 capital ratio?
It 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?
It operates 154 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?
Its Texas Ratio is 0.94% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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.
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