Commerce Bank
Kansas City, MO · Cert 24998 · Peer group: banks over $10B in assets (n=142-144) · Commerce Bancshares Inc.
State charter, Fed member · FED · 151 branches
Q2 2026
$35.0BAssets
$20.8BLoans
$28.1BDeposits
$3.9BEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 94% of banks over $10B in assets (rank 10 of 142).
- Widest gap: efficiency ratio trails 67% of banks over $10B in assets (rank 98 of 144).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
1.23%
Rank 73 of 144
Net Interest Margin
3.48%
Rank 57 of 144
Efficiency Ratio
60.01%
Rank 98 of 144
Equity / Assets
11.02%
Rank 79 of 144
Non-interest income vs. expense
Unfavorable gap of $0.4B · efficiency ratio beats 33% of banks over $10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.23% | 1.00% | 1.26% | 1.54% | Beats 49% | 73 / 144 | | |
| Return on Equity | 11.16% | 8.98% | 11.34% | 14.40% | Beats 47% | 77 / 144 | | |
| Net Interest Margin | 3.48% | 2.82% | 3.31% | 3.68% | Beats 60% | 57 / 144 | | |
| Efficiency Ratio | 60.01% | 49.42% | 56.02% | 62.41% | Beats 33% | 98 / 144 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.17% | 0.48% | 0.73% | 1.07% | Beats 94% | 10 / 142 | | |
| Net Charge-Offs / Loans | 0.14% | 0.05% | 0.11% | 0.22% | Beats 42% | 84 / 142 | | |
| Capital |
| Tier 1 Capital Ratio | 15.11% | 12.07% | 12.98% | 14.92% | Beats 77% | 33 / 144 | | |
| Total Risk-Based Capital Ratio | 15.92% | 13.39% | 14.14% | 16.25% | Beats 72% | 41 / 144 | | |
| Equity / Assets | 11.02% | 9.69% | 11.39% | 12.96% | Beats 45% | 79 / 144 | | |
| Liquidity & Funding |
| Loans / Deposits | 74.15% | 75.72% | 84.92% | 91.56% | 22nd pctl | 112 / 143 | | |
| Loans / Assets | 59.51% | 59.83% | 69.07% | 74.80% | 24th pctl | 109 / 144 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |