Commerce Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 7.92% (2Q26), against the 2.50% a bank must hold above each risk-based minimum to pay dividends and discretionary bonuses without limits. The buffer is the smallest of the three cushions over the minimums; here the binding ratio is Total capital. The bank clears the requirement. Filed figure: 7.92% (RCOAH311).
What each ratio is made of, 2Q26
Open a ratio to see its numerator and denominator as filed, our recomputation, and how far it sits above each regulatory line.
Common equity Tier 1 ratio 15.11% +8.61 pp over well capitalized
Common equity Tier 1 is the loss-absorbing core: common stock, retained earnings and most of accumulated other comprehensive income, less goodwill, intangibles and other deductions. It is measured against risk-weighted assets.
| Common equity Tier 1 capital | $4.00B | 4,004,071 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $26.49B | 26,492,127 | RCOAA223 |
| Recomputed ratio | 15.11% | numerator / denominator | |
| Filed ratio | 15.11% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +8.61 pp | $2.28B | capital that could be lost first |
Tier 1 risk-based capital ratio 15.11% +7.11 pp over well capitalized
Tier 1 adds additional Tier 1 instruments, such as qualifying noncumulative perpetual preferred stock, to common equity Tier 1. Measured against risk-weighted assets.
| Tier 1 capital | $4.00B | 4,004,071 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $26.49B | 26,492,127 | RCOAA223 |
| Recomputed ratio | 15.11% | numerator / denominator | |
| Filed ratio | 15.11% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +7.11 pp | $1.88B | capital that could be lost first |
Total risk-based capital ratio 15.92% +5.92 pp over well capitalized
Total capital adds Tier 2, mostly qualifying subordinated debt and the allowance for credit losses up to 1.25% of risk-weighted assets, to Tier 1. Measured against risk-weighted assets.
| Total capital | $4.22B | 4,217,146 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $26.49B | 26,492,127 | RCOAA223 |
| Recomputed ratio | 15.92% | numerator / denominator | |
| Filed ratio | 15.92% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +5.92 pp | $1.57B | capital that could be lost first |
Tier 1 leverage ratio 11.43% +6.43 pp over well capitalized
Tier 1 capital over average total assets for the quarter, with no risk weighting. It caps how far a bank can grow on low-risk-weight assets.
| Tier 1 capital | $4.00B | 4,004,071 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $35.02B | 35,017,498 | RCOAA224 |
| Recomputed ratio | 11.43% | numerator / denominator | |
| Filed ratio | 11.43% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +6.43 pp | $2.25B | capital that could be lost first |
Amounts in the middle column are thousands of dollars as filed. Ratios are the standardized column of Schedule RC-R Part I.
The capital stack, $ thousands
From common equity to total capital, then the denominators the ratios divide by. Negatives in parentheses.
| Line | 2Q26 | 1Q26 | 4Q25 | 3Q25 | 2Q25 | 1Q25 | Source |
|---|---|---|---|---|---|---|---|
| Common stock plus related surplus, net of treasury stock | 1,725,288 | 1,720,178 | 1,200,506 | 1,197,256 | 1,194,054 | 1,191,191 | RCOAP742 |
| Retained earnings | 2,623,727 | 2,641,539 | 2,578,430 | 2,499,488 | 2,420,843 | 2,331,702 | RCOAKW00 |
| Accumulated other comprehensive income | (489,254) | (530,002) | (498,002) | (521,892) | (569,102) | (622,509) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 3,859,761 | 3,831,715 | 3,280,934 | 3,174,852 | 3,045,795 | 2,900,384 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 144,310 | 180,974 | 355,717 | 379,580 | 426,730 | 480,076 | P859 - P840 |
| Common equity Tier 1 capital | 4,004,071 | 4,012,689 | 3,636,651 | 3,554,432 | 3,472,525 | 3,380,460 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 4,004,071 | 4,012,689 | 3,636,651 | 3,554,432 | 3,472,525 | 3,380,460 | RCOA8274 |
| Tier 2 capital | 213,075 | 213,346 | 197,129 | 190,998 | 181,265 | 185,358 | RCOA5311 |
| Allowance includable in Tier 2 capital | 213,075 | 213,346 | 197,129 | 190,998 | 181,265 | 185,358 | RCOA5310 |
| Total capital | 4,217,146 | 4,226,035 | 3,833,780 | 3,745,430 | 3,653,790 | 3,565,818 | RCOA3792 |
| Total risk-weighted assets | 26,492,127 | 26,067,093 | 23,739,393 | 23,606,309 | 23,521,176 | 23,317,026 | RCOAA223 |
| Average total assets for the leverage ratio | 35,017,498 | 35,467,817 | 32,681,295 | 31,957,654 | 31,837,413 | 32,114,292 | RCOAA224 |
Risk-weighted assets by exposure category, 2Q26
Each category's exposure is filed across the risk-weight columns of Schedule RC-R Part II; its risk-weighted assets are each allocation times its weight. The average risk weight says how much capital a dollar of that exposure consumes.
| Category | Exposure | Risk-weighted | Avg weight | Share of RWA | Source |
|---|---|---|---|---|---|
| Cash and balances due | $2.92B | $106.1M | 3.64% | 0.40% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $7.54B | $910.1M | 12.07% | 3.44% | RC-R Part II, item 2.a, 2.b |
| Fed funds sold and repo-style transactions | $262.3M | $200.6M | 76.47% | 0.76% | RC-R Part II, item 3.a, 16 |
| Loans: residential mortgage | $5.22B | $2.82B | 54.06% | 10.66% | RC-R Part II, item 4.a, 5.a |
| Loans: past due and nonaccrual | $21.6M | $32.3M | 149.75% | 0.12% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $15.59B | $15.56B | 99.79% | 58.73% | RC-R Part II, item 4.d, 5.d |
| Trading assets | $57.7M | $24.7M | 42.78% | 0.09% | RC-R Part II, item 7 |
| All other assets | $1.46B | $1.38B | 94.61% | 5.21% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $5.25B | $5.07B | 96.65% | 19.14% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Derivatives (over the counter and centrally cleared) | $95.2M | $45.5M | 47.74% | 0.17% | RC-R Part II, item 20, 21 |
| Market risk and other approaches | NA | $340.1M | NA | 1.28% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $26.15B | ties to item 31 ($26.15B) |
|---|---|---|
| Risk-weighted assets before deductions | $26.49B | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $26.49B | RCONG641, ties |
12 quarters against the asset-tier median
| Quarter | Framework | CET1 | Tier 1 | Total capital | Leverage | Tier median CET1 | Tier median Tier 1 | Tier median Total capital | Tier median Leverage |
|---|---|---|---|---|---|---|---|---|---|
| 2Q26 | Risk-based | 15.11% | 15.11% | 15.92% | 11.43% | 12.98% | 12.99% | 14.14% | 10.25% |
| 1Q26 | Risk-based | 15.39% | 15.39% | 16.21% | 11.31% | 13.06% | 13.07% | 14.31% | 10.26% |
| 4Q25 | Risk-based | 15.32% | 15.32% | 16.15% | 11.13% | 13.15% | 13.20% | 14.60% | 10.03% |
| 3Q25 | Risk-based | 15.06% | 15.06% | 15.87% | 11.12% | 13.29% | 13.29% | 14.49% | 10.31% |
| 2Q25 | Risk-based | 14.76% | 14.76% | 15.53% | 10.91% | 13.11% | 13.11% | 14.41% | 10.16% |
| 1Q25 | Risk-based | 14.50% | 14.50% | 15.29% | 10.53% | 13.16% | 13.16% | 14.34% | 10.10% |
| 4Q24 | Risk-based | 14.20% | 14.20% | 14.98% | 10.36% | 13.15% | 13.15% | 14.49% | 10.29% |
| 3Q24 | Risk-based | 14.02% | 14.02% | 14.80% | 10.29% | 13.25% | 13.25% | 14.44% | 10.08% |
| 2Q24 | Risk-based | 13.52% | 13.52% | 14.29% | 10.09% | 13.08% | 13.08% | 14.24% | 10.10% |
| 1Q24 | Risk-based | 13.23% | 13.23% | 13.99% | 10.08% | 12.76% | 12.76% | 13.98% | 9.86% |
| 4Q23 | Risk-based | 13.03% | 13.03% | 13.81% | 9.56% | 12.58% | 12.58% | 13.79% | 9.79% |
| 3Q23 | Risk-based | 12.87% | 12.87% | 13.67% | 9.22% | 12.66% | 12.67% | 13.78% | 9.78% |
NA means not filed for that quarter: a community bank leverage ratio filer files no risk-based ratios. Tier medians are the served benchmark for banks in the same asset tier.
Against similar banks, 2Q26
| Bank | Assets | Framework | CET1 | Tier 1 | Total capital | Leverage |
|---|---|---|---|---|---|---|
| Commerce Bank (this bank) | Risk-based | 15.11% | 15.11% | 15.92% | 11.43% | |
| Banc of California | $34.90B | Risk-based | 12.68% | 12.68% | 13.74% | 9.64% |
| BankUnited, N.A. | $34.86B | Risk-based | 13.01% | 13.01% | 13.90% | 9.43% |
| First National Bank of Omaha | $34.20B | Risk-based | 12.64% | 12.64% | 13.92% | 10.83% |
| Hancock Whitney Bank | $36.33B | Risk-based | 12.86% | 12.86% | 14.06% | 10.59% |
| United Bank | $33.64B | Risk-based | 13.69% | 13.69% | 14.91% | 11.60% |
| Texas Capital Bank | $33.62B | Risk-based | 12.35% | 12.35% | 13.53% | 10.67% |
| Fulton Bank, N.A. | $32.56B | Risk-based | 13.03% | 13.21% | 14.46% | 10.20% |
| TD Bank USA, N.A. | $32.13B | Risk-based | 31.20% | 31.20% | 32.53% | 11.56% |
| Atlantic Union Bank | $38.02B | Risk-based | 13.02% | 13.02% | 13.99% | 11.45% |
| Glacier Bank | $31.58B | Risk-based | 12.99% | 12.99% | 14.21% | 10.10% |
| Peer 25th percentile | 12.73% | 12.73% | 13.90% | 10.12% | ||
| Peer median | 13.00% | 13.00% | 14.02% | 10.63% | ||
| Peer 75th percentile | 13.03% | 13.16% | 14.40% | 11.29% | ||
| This bank's percentile | 90 | 90 | 90 | 70 |
Peer ratios use the same basis as this bank: the standardized column of Schedule RC-R where served, the filed summary otherwise. Similar banks are the nearest banks by size in the same asset tier.
Source: FFIEC Call Report Schedule RC-R, Parts I and II, as filed. Well capitalized means at least 6.5% CET1, 8% Tier 1, 10% total capital and 5% leverage under the prompt corrective action rules; a community bank leverage ratio filer must instead hold the leverage ratio its framework requires. The same figures are in the API at /api/v1/banks/601050/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.