Kansas City, MO · Cert 24998 · Commerce Bancshares Inc.
State charter, Fed member · FED · 151 branches
Q2 2026
Market Position · Kansas City, MO-KS · 2026 SOD (annual) · 9.9% share · #2 of 114 inst. · $9.8B of $99.1B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.85% | 1.73% | 1.72% | 1.56% | 0.93% | -92 bps | |
| Return on Equity | 20.07% | 17.83% | 17.22% | 14.97% | 8.55% | -1,152 bps | |
| Net Interest Margin | 3.46% | 3.47% | 3.43% | 3.35% | 3.56% | +9 bps | |
| Efficiency Ratio | 54.10% | 54.23% | 54.91% | 60.17% | 57.65% | +355 bps | |
| Non-Interest Burden | 0.94% | 0.97% | 0.98% | 1.29% | 1.23% | +29 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.78% | 2.36% | 2.87% | 10.24% | 9.09% | +330 bps | |
| Loan Growth (YoY) | 2.93% | 4.08% | 3.21% | 17.72% | 17.93% | +1,500 bps | |
| Deposit Growth (YoY) | 4.74% | 0.54% | 0.98% | 9.32% | 8.68% | +394 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.25% | 0.21% | 0.23% | 0.16% | 0.17% | -8 bps | |
| Net Charge-Offs / Loans | 0.22% | 0.23% | 0.22% | 0.29% | 0.18% | -4 bps | |
| Allowance / Loans | 0.94% | 0.99% | 1.01% | 0.97% | 0.94% | 0 bps | |
| Allowance Coverage of NPLs | 3.7x | 4.6x | 4.4x | 5.9x | 5.5x | +1.8x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.91% | 11.12% | 11.13% | 11.31% | 11.43% | +53 bps | |
| Total Risk-Based Capital | 15.53% | 15.87% | 16.15% | 16.21% | 15.92% | +38 bps | |
| Equity / Assets | 9.49% | 9.90% | 10.03% | 10.78% | 11.02% | +153 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 68.33% | 68.86% | 68.53% | 71.45% | 74.15% | +581 bps | |
| Liquid Assets / Assets | 8.19% | 7.74% | 8.40% | 9.21% | 6.46% | -173 bps | |
| CRE / Total Capital | n/a | 139.90% | 134.80% | 135.64% | n/a | n/a | |