Commerce Bank: Tier 1 Risk-Based Capital Ratio
Data as of · sourced from FFIEC call reports. How we update
Commerce Bank reported a tier 1 risk-based capital ratio of 29.75% as of Q2 2026, ranking #85 of 2,135 U.S. banks (96th percentile). That is down 8.96 percentage points from 38.71% a year earlier, and above the 14.36% median of the 443 Midsize Community Banks ($500M–$1B in assets). Tier 1 Risk-Based Capital combines Common Equity Tier 1 plus Additional Tier 1 instruments, the broader capital measure after CET1.
12-Quarter Trend
National Context
What is the Tier 1 Risk-Based Capital Ratio?
The Tier 1 Risk-Based Capital ratio measures a bank's Tier 1 capital (CET1 plus Additional Tier 1 instruments) against its risk-weighted assets. It is the broader of the two Tier-1 capital measures and is still the headline capital metric for most banking comparisons.
Read Tier 1 RBC alongside CET1: a large gap between them means the bank relies meaningfully on preferred stock for its capital base, which is more expensive and less flexible than common equity. Most community banks show Tier 1 RBC within a few basis points of CET1. The bands below are BankRegReports analyst bands, not prompt corrective action categories; PCA treats a Tier 1 ratio of 8% or more as well capitalized.
Full definition & formula →Frequently asked questions
What is Commerce Bank's Tier 1 Risk-Based Capital Ratio?
Commerce Bank's Tier 1 Risk-Based Capital Ratio was 29.75% as of Q2 2026, ranking #85 of 2,135 U.S. banks.
What is the Tier 1 Risk-Based Capital Ratio?
The Tier 1 Risk-Based Capital ratio measures a bank's Tier 1 capital (CET1 plus Additional Tier 1 instruments) against its risk-weighted assets. It is the broader of the two Tier-1 capital measures and is still the headline capital metric for most banking comparisons.
More Commerce Bank metrics
Source: FFIEC call reports, standardized by BankRegReports. Values are point-in-time as filed. See the full Commerce Bank profile or how this data updates. The figures come from the bank's call report.
Regulator records: FDIC BankFind (cert 23772) · FFIEC NIC profile (RSSD 625159)