Commerce Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
Risk-weighted assets climbed 8.0% in Q2 2026, from $290.6M to $314.0M. It was the largest change from Q1 2026 among the key lines here. Within Texas, Commerce Bank is 28th of 184 on CET1 ratio, 29.75% as of Q2 2026. Commerce Bank's CET1 ratio of 29.75% is well above the 15.08% median for banks in the $100M-1B asset tier, a gap of 14.66 points (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 29.75% |
| Tier 1 risk-based capital ratio | 29.75% |
| Total risk-based capital ratio | 30.73% |
| Tier 1 leverage ratio | 12.28% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $93.4M |
| Tier 1 capital | $93.4M |
| Total risk-based capital | $96.5M |
| Total equity capital | $78.9M |
| Risk-weighted assets | $314.0M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.35% |
| Tangible equity to tangible assets | 9.51% |
| Equity capital to average assets | 10.28% |
| Internal capital growth rate | 18.30% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.0M |
| Common stock surplus | $25.0M |
| Retained earnings | $74.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$21.6M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 41.25% | 41.25% | 42.46% | 15.98% | $263.7M |
| Q4 2023 | 36.57% | 36.57% | 37.82% | 14.50% | $266.1M |
| Q1 2024 | 37.69% | 37.69% | 38.83% | 14.76% | $268.5M |
| Q2 2024 | 38.65% | 38.65% | 39.87% | 14.57% | $270.8M |
| Q3 2024 | 37.04% | 37.04% | 38.23% | 13.32% | $265.5M |
| Q4 2024 | 37.50% | 37.50% | 38.56% | 13.53% | $272.5M |
| Q1 2025 | 38.56% | 38.56% | 39.67% | 13.87% | $274.3M |
| Q2 2025 | 38.71% | 38.71% | 39.81% | 14.10% | $282.2M |
| Q3 2025 | 29.94% | 29.94% | 30.99% | 10.72% | $278.0M |
| Q4 2025 | 31.63% | 31.63% | 32.67% | 11.54% | $274.0M |
| Q1 2026 | 30.93% | 30.93% | 31.95% | 12.04% | $290.6M |
| Q2 2026 | 29.75% | 29.75% | 30.73% | 12.28% | $314.0M |
Commerce Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Commerce Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Commerce Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 23772) · FFIEC NIC profile (RSSD 625159)