Commerce Bank
Kansas City, Missouri, Jackson County
$35.0B in total assets, the 64th largest of 4,309 US banks and 2nd of 195 headquartered in Missouri.
- FDIC certificate
- 24998
- Established
- 1984
- Owned by
- Commerce Bancshares Inc
- Primary regulator
- FED
- Website
- www.commercebank.com
At a glance
Compared with 132 US banks with $10 billion to $100 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $35.0B | 76% | $22.4B | |
| Loans | $20.8B | 70% | $14.4B | |
| Deposits | $28.1B | 76% | $18.0B | |
| Return on assets | 1.47% | 71% | 1.29% | |
| Net interest margin | 3.80% | 62% | 3.61% | |
| Efficiency ratio | 58.9% | 68% | 55.1% | |
| Equity to assets | 11.02% | 42% | 11.60% | |
| Loans to deposits | 74% | 20% | 87% |
Growth
Total assets grew 0.8% a year over the last 5 years and 3.6% a year over 10 years, including 1 acquisition in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Jan 2026 | FineMark National Bank & Trust Fort Myers, FL | $3.9B |
| Sep 2013 | Summit Bank Tulsa, OK | $256M |
| Oct 2008 | Commerce Bank, National Association Omaha, NE, an affiliate under the same holding company | $9M |
| Oct 2008 | Commerce Bank, National Association Wichita, KS, an affiliate under the same holding company | $1.2B |
| Jul 2007 | Commerce Bank Aurora, CO | $102M |
| Apr 2007 | Bank South Tulsa, OK | $129M |
| Sep 2006 | West Pointe Bank and Trust Company Belleville, IL | $456M |
| Aug 2004 | Commerce Bank, National Association Peoria, IL, an affiliate under the same holding company | $885M |
| Mar 2001 | The Centennial Bank Breckenridge Hills, MO | $268M |
| Aug 1999 | City National Bank of Pittsburg Pittsburg, KS, an affiliate under the same holding company | $121M |
| Jul 1999 | The Columbus State Bank Columbus, KS, an affiliate under the same holding company | $77M |
| Jun 1999 | The Citizens National Bank in Independence Independence, KS, an affiliate under the same holding company | $92M |
| Nov 1998 | Heritage Bank of Olathe Olathe, KS | $49M |
| Dec 1997 | Commerce Bank, National Association Clayton, MO, an affiliate under the same holding company | $3.3B |
| May 1997 | The Shawnee State Bank Shawnee, KS | $208M |
| Oct 1996 | Commerce Bank, National Association Manhattan, KS, an affiliate under the same holding company | $161M |
| Jun 1996 | Commerce Bank, National Association Columbia, MO, an affiliate under the same holding company | $374M |
| Jun 1996 | Commerce Bank of Lebanon, National Association Lebanon, MO, an affiliate under the same holding company | $104M |
| Jun 1996 | Commerce Bank of Barry County, National Association Cassville, MO, an affiliate under the same holding company | $81M |
| Jun 1996 | Commerce Bank of Joplin, National Association Joplin, MO, an affiliate under the same holding company | $144M |
| Jun 1996 | Commerce Bank Lawrence, KS, an affiliate under the same holding company | $71M |
| Jun 1996 | Commerce Bank of St. Joseph, National Association St. Joseph, MO, an affiliate under the same holding company | $319M |
| Jun 1996 | Commerce Bank, National Association Springfield, MO, an affiliate under the same holding company | $726M |
| Jul 1995 | Commerce Bank, National Association Kansas City, MO, an affiliate under the same holding company | $2.4B |
| Jul 1995 | Commerce Bank, National Association Leavenworth, KS, an affiliate under the same holding company | $95M |
| Nov 1994 | The Twin-City State Bank Kansas City, KS | $92M |
| Sep 1994 | Commercial Bank of Liberty, N. A. Liberty, MO | $82M |
| Apr 1991 | Commerce Bank of Clay County, National Association Kansas City, MO, an affiliate under the same holding company | $90M |
| Jun 1990 | Blue Valley Federal Savings and Loan Association Kansas City, MO | $645M |
| Dec 1988 | Commerce Bank of Harrisonville, N. A. Harrisonville, MO, an affiliate under the same holding company | $50M |
| Dec 1988 | Commerce Bank of Lexington, National Association Lexington, MO, an affiliate under the same holding company | $36M |
| Jan 1988 | Commerce Bank of Lee's Summit, National Association Lee'S Summit, MO, an affiliate under the same holding company | $15M |
| Jan 1984 | Commerce Bank of Blue Hills Kansas City, MO | n/a |
| Jan 1984 | Commerce Bank of Independence, National Association Independence, MO | n/a |
| Jan 1984 | Commerce Bank of Grandview, National Association Grandview, MO | n/a |
| Jan 1984 | Plaza Bank & Trust Company Kansas City, MO | n/a |
Where they operate
153 branches in 53 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Jackson County, MO | $6.4B | 11.9% | 2 of 43 |
| St. Louis County, MO | $6.0B | 12.4% | 1 of 55 |
| Johnson County, KS | $2.0B | 7.5% | 4 of 60 |
| St. Charles County, MO | $1.1B | 11.3% | 2 of 35 |
| Sedgwick County, KS | $1.1B | 5.4% | 6 of 38 |
| Greene County, MO | $1.1B | 7.6% | 5 of 35 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net loss of 38 branches since 2016 (191 to 153, −19.9%). 12 opened, 13 acquired, 63 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 191 | |||
| 2016 | Opened Garden City and PekinClosed 10 in 3 states | 2 | 10 | −8 | 183 |
| 2017 | Opened LebanonClosed 6 in 3 states | 1 | 6 | −5 | 178 |
| 2018 | Opened Roeland ParkClosed 8 in 4 states | 1 | 8 | −7 | 171 |
| 2019 | Opened 3 in 3 statesClosed 8 in 4 states | 3 | 8 | −5 | 166 |
| 2020 | Opened Houston and QuincyClosed 9 in 2 states | 2 | 9 | −7 | 159 |
| 2021 | Closed 5 in 3 states | 0 | 5 | −5 | 154 |
| 2022 | Closed 4 in 3 states | 0 | 4 | −4 | 150 |
| 2023 | Opened NaplesClosed 7 in 3 states | 1 | 7 | −6 | 144 |
| 2025 | Opened Saint LouisClosed 3 in 2 states | 1 | 3 | −2 | 142 |
| 2026 through Q2 | Acquired FineMark National Bank & TrustOpened Kansas City, closed 3 in 2 states | 14 | 3 | +11 | 153 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| 1-4 family residential | 25% | 21% | |
| Business (C&I) | 22% | 17% | |
| Commercial real estate | 17% | 25% | |
| Consumer | 14% | 10% | |
| Construction and land | 7% | 6% | |
| Multifamily | 1% | 8% | |
| Farmland | 1% | 1% | |
| Agricultural | 1% | 1% | |
| Other | 12% | 13% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 62% | 62% | |
| Noninterest-bearing | 30% | 20% | |
| Time deposits | 8% | 18% |
Brokered deposits are 0.0% of deposits (peers 7.3%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.16% | 0.63% |
| Net charge-offs, annualized | 0.25% | 0.14% |
| Reserves to loans | 0.94% | 1.15% |
| Leverage ratio | 11.43% | 10.25% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Missouri
Largest competitors in Jackson County, MO
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/banks/commerce-bank-kansas-city-mo