Commerce Bank: Peer Group Comparison
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Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Commerce Bank of Kansas City, MO against its peer group of 127 similarly-sized US banks as of Q2 2026. The peer group is every US bank in the same asset tier (banks with $10B to $100B in assets). The credit quality page compares against a shorter list, the 10 nearest banks by size in the same tier, so its peer medians can differ from the ones here. For each metric the bank's value is shown next to the peer-group median and the bank's percentile within the group, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Best quarter means the bank is among the strongest 25% of its peers on that measure.
How to read the peer columns: Peer median is the middle bank of the peer group. The percentile is the share of the other banks in the group with a lower value, so a high percentile is good for return on assets and bad for the efficiency ratio. The tag says which it is: better half or worse half, with the best and worst quarters marked. Measures with no better direction, such as loans to deposits and growth, carry no tag.
Profitability
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| ROAA | 0.93% | 1.32% | -0.39% | 18th worst quarter |
| ROAE | 8.55% | 11.13% | -2.58% | 21st worst quarter |
| Net Interest Margin | 3.74% | 3.63% | +0.11% | 58th better half |
| Efficiency Ratio | 57.36% | 53.30% | +4.06% | 70th worse half |
| PPNR / Avg Assets | 2.29% | 1.82% | +0.47% | 79th best quarter |
| Yield on Earning Assets | 4.85% | 5.36% | -0.51% | 18th |
| Cost of Funds | 1.22% | 1.92% | -0.70% | 12th best quarter |
| Net Interest Spread | 3.21% | 2.97% | +0.24% | 67th better half |
Asset Quality
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| NPL / Total Loans | 0.17% | 0.68% | -0.51% | 6th best quarter |
| NPA / Total Assets | 0.11% | 0.49% | -0.38% | 10th best quarter |
| NCO / Avg Loans | 0.19% | 0.13% | +0.06% | 65th worse half |
| ACL / Total Loans | 0.94% | 1.14% | -0.20% | 23rd |
| ACL / NPLs (Coverage) | 553.14% | 173.33% | +379.81% | 93rd best quarter |
| Texas Ratio | 0.94% | 4.21% | -3.27% | 9th best quarter |
| Provision / NCO | 91.51% | 112.90% | -21.39% | 35th |
| CRE / Total Capital | 96.72% | 219.38% | -122.66% | 17th best quarter |
Capital Adequacy
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| CET1 Ratio | 15.11% | 12.98% | +2.13% | 79th best quarter |
| Tier 1 Ratio | 15.11% | 12.99% | +2.12% | 78th best quarter |
| Total Capital Ratio | 15.92% | 14.14% | +1.78% | 75th better half |
| Leverage Ratio | 11.43% | 10.25% | +1.18% | 80th best quarter |
| Equity / Assets | 11.02% | 11.59% | -0.57% | 42nd worse half |
| TCE / Tangible Assets | 10.03% | 9.57% | +0.46% | 63rd better half |
Liquidity & Funding
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| Loan / Deposit | 74.15% | 86.95% | -12.80% | 19th |
| Core Deposit Ratio | 97.76% | 90.68% | +7.08% | 95th best quarter |
| Uninsured Deposit Ratio | 38.59% | 38.56% | +0.03% | 50th worse half |
| Borrowings / Total Assets | 7.08% | 4.27% | +2.81% | 74th worse half |
Growth & Management
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 9.09% | 5.89% | +3.20% | 69th |
| Loan Growth (Y/Y) | 17.93% | 6.32% | +11.61% | 81st |
| Deposit Growth (Y/Y) | 8.68% | 5.69% | +2.99% | 62nd |
See Commerce Bank's peers by name
The 127 banks in this peer group, by name · build custom peer groups · percentile history · watchlist alerts
Unlock this bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Commerce Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Commerce Bank peer analysis.