Bank Safety Analysis
Is Commerce Bank Safe? Kansas City, Missouri
Based on its Q2 2026 call report, Commerce Bank meets every capital ratio test for well capitalized, its Texas ratio is 0.94%, and its deposits are FDIC insured up to $250,000 per depositor.
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Short answer
On its Q2 2026 call report, Commerce Bank's CET1 ratio is 15.11%, above the 6.5% well-capitalized threshold.
- CET1 ratio (Q2 2026): 15.11%
- Tier 1 leverage ratio (Q2 2026): 11.43%
- Texas ratio (Q2 2026): 0.94%
- Noncurrent loans ratio (Q2 2026): 0.17%
Commerce Bank is an FDIC-insured commercial bank (FDIC Certificate #24998). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Context: largest US bank failures · what these ratios mean · how we score.
Commerce Bank passes all 5 safety dimensions, with capital, asset quality, and stress buffers above the concern bands. Analysis based on the Q2 2026 call report.
The standout move of Q2 2026 was in return on assets: 0.56 percentage points lower than in Q1 2026, at 0.93%. Commerce Bank ranks 38th of 97 Missouri banks on CET1 ratio, in the upper half at 15.11% (Q2 2026). The median for banks in the $10B-100B asset tier is 12.96% on CET1 ratio. Commerce Bank sits 2.16 points higher, at 15.11% (Q2 2026). From Q3 2023 to Q2 2026, Commerce Bank's CET1 ratio ranged between 12.87% (Q3 2023) and 15.39% (Q1 2026) and its Texas ratio ranged between 0.86% (Q1 2026) and 1.50% (Q4 2024). Between Q2 2025 and Q2 2026, Commerce Bank's CET1 ratio rose from 14.76% to 15.11%, nonperforming loan ratio (nonaccrual plus 90+ days past due) fell from 0.25% to 0.17%, Texas ratio fell from 1.32% to 0.94% and return on assets fell from 1.87% to 0.93%.
Data as of · sourced from FFIEC call reports. How we update
This bank has more than $10 billion in assets. The score covers every FDIC-insured bank in the latest run, but the model was trained on community and regional banks and its accuracy above roughly $10 billion in assets is not established, so a low score is not evidence of safety. The page therefore shows no score or tier for it.
Scorecard by dimension
Peer cohort: $10B to $100B (136 banks) · Industry averages as of Q2 2026.
CET1 of 15.11% sits comfortably above the 6.5% well-capitalized threshold under Prompt Corrective Action and the 7.0% level required once the capital conservation buffer is included.
Tier 1 leverage of 11.43% is above the 5% well-capitalized threshold.
Nonperforming loans at 0.17% are within industry-normal range.
Texas Ratio of 0.9% is well below the 100% historical failure threshold.
Efficiency ratio of 57.4% reflects competitive operating costs (lower is better).
Risk screens
Latest filing (Q2 2026), passing screens included.
| Screen | Value | Trigger | Result |
|---|---|---|---|
| CET1 capital ratio supervisory threshold | 15.11% | Flags below 7% | Within range |
| Texas ratio BankRegReports band | 0.94% | Watch at 50%, concern at 100% | Within range |
| Non-performing loan ratio BankRegReports band | 0.17% | Flags at 3% or above | Within range |
| Uninsured deposit share BankRegReports band | 38.59% | Watch at 50%, concern at 70% | Within range |
| Loan-to-deposit ratio BankRegReports band | 74.15% | Flags at 100% or above | Within range |
| Commercial real estate to capital supervisory threshold | 96.72% | Watch at 200%, concern at 300% | Within range |
| Held-to-maturity unrealized loss to equity BankRegReports band | 0.00% | Watch at 10%, concern at 25% | Within range |
Capital ratio: last 12 quarters
| Quarter | CET1 (%) |
|---|---|
| Q2 2026 | 15.11% |
| Q1 2026 | 15.39% |
| Q4 2025 | 15.32% |
| Q3 2025 | 15.06% |
| Q2 2025 | 14.76% |
| Q1 2025 | 14.50% |
| Q4 2024 | 14.20% |
| Q3 2024 | 14.02% |
| Q2 2024 | 13.52% |
| Q1 2024 | 13.23% |
| Q4 2023 | 13.03% |
| Q3 2023 | 12.87% |
Texas Ratio: last 12 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q2 2026 | 0.94% |
| Q1 2026 | 0.86% |
| Q4 2025 | 1.16% |
| Q3 2025 | 1.14% |
| Q2 2025 | 1.32% |
| Q1 2025 | 1.39% |
| Q4 2024 | 1.50% |
| Q3 2024 | 1.41% |
| Q2 2024 | 1.43% |
| Q1 2024 | 0.97% |
| Q4 2023 | 1.05% |
| Q3 2023 | 1.12% |
Commerce Bank by quarter
| Quarter end | CET1 | NPL ratio | Texas ratio | ROA |
|---|---|---|---|---|
| Jun 30, 2026 | 15.11% | 0.17% | 0.94% | 0.93% |
| Mar 31, 2026 | 15.39% | 0.16% | 0.86% | 1.49% |
| Dec 31, 2025 | 15.32% | 0.23% | 1.16% | 1.69% |
| Sep 30, 2025 | 15.06% | 0.21% | 1.14% | 1.73% |
| Jun 30, 2025 | 14.76% | 0.25% | 1.32% | 1.87% |
| Mar 31, 2025 | 14.50% | 0.24% | 1.39% | 1.67% |
| Dec 31, 2024 | 14.20% | 0.25% | 1.50% | 1.68% |
| Sep 30, 2024 | 14.02% | 0.24% | 1.41% | 1.73% |
| Jun 30, 2024 | 13.52% | 0.22% | 1.43% | 0.04% |
| Mar 31, 2024 | 13.23% | 0.15% | 0.97% | 1.33% |
| Dec 31, 2023 | 13.03% | 0.17% | 1.05% | 1.28% |
| Sep 30, 2023 | 12.87% | 0.16% | 1.12% | 1.36% |
Banks with a similar risk profile
4 banks in the same asset tier with the same overall verdict.
Frequently asked
Is Commerce Bank FDIC insured?
Yes. Commerce Bank is an FDIC-insured commercial bank (FDIC Certificate #24998). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Is Commerce Bank well capitalized?
On its Q2 2026 call report, Commerce Bank's CET1 ratio is 15.11%, above the 6.5% well-capitalized threshold. The threshold comes from Prompt Corrective Action, which its primary federal regulator, the Federal Reserve, applies.
What are Commerce Bank's key safety ratios?
For Q2 2026, Commerce Bank reports CET1 15.11%, leverage 11.43%, Texas ratio 0.94%, noncurrent loans 0.17%. The Texas ratio compares problem assets with tangible equity plus reserves; above 100% has historically signaled elevated failure risk.
What happens to my deposits if Commerce Bank fails?
Insured deposits are protected up to $250,000 per depositor, per insured bank, per ownership category. If an insured bank fails, the FDIC pays insured depositors as soon as possible, usually the next business day.
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Free to use. It shows Commerce Bank’s latest filed figures and updates each quarter.
Methodology & disclaimer
Based on the latest FFIEC call report. Model output is an estimate, not a credit rating, and this page is not investment advice. FDIC insurance covers deposits up to $250,000 per depositor per ownership category at any FDIC-insured bank, whatever its safety profile. See the methodology and full profile.
Regulator records: FDIC BankFind (cert 24998) · FFIEC NIC profile (RSSD 601050)
Explore: Full Commerce Bank profile · Other banks in MO · Metric glossary · How the call report works