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Commerce Bank
Kansas City, MO · State-chartered bank (Fed member) · Part of Commerce Bancshares Inc
- Total assets
- $35.02B
- Q2 2026
- Deposits
- $28.1B
- Net income
- $215.3M
- first half of 2026
- Return on assets
- 1.25%
- Annualized
SEC company page: Commerce Bancshares Inc (CBSH) · financials and records from other agencies
Bank details
As reported to the FDIC
- FDIC certificate
- 24998
- Main office
- Kansas City, MO
- Holding company
- Commerce Bancshares Inc
- Charter
- State-chartered bank (Fed member)
- Primary federal regulator
- Federal Reserve
- Established
- 02/21/1984
- FDIC insured since
- 02/21/1984
- U.S. offices
- 154
- Employees (full-time equivalent)
- 4,813
- Specialty
- Commercial Lending Specialization
- Website
- www.commercebank.com
Quarterly financials
From the bank's Call Reports. Income figures are year to date; ratios are annualized.
| Quarter | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $35.02B | $35.54B | $32.72B | $32.08B | $32.1B | $32.24B | $31.81B | $31.34B |
| Deposits | $28.1B | $28.64B | $25.94B | $25.83B | $25.86B | $26.2B | $25.68B | $25.7B |
| Net loans and leases | $20.64B | $20.26B | $17.6B | $17.61B | $17.5B | $17.22B | $17.06B | $16.93B |
| Securities | $8.35B | $8.69B | $9.14B | $9.03B | $8.95B | $9.3B | $9.17B | $9.2B |
| Equity capital | $3.86B | $3.83B | $3.28B | $3.17B | $3.05B | $2.9B | $2.7B | $2.79B |
| Net income (year to date) | $215.3M | $133.1M | $561.6M | $422.6M | $284M | $134.9M | $379.3M | $244.8M |
| Return on assets | 1.25% | 1.56% | 1.74% | 1.76% | 1.77% | 1.68% | 1.22% | 1.06% |
| Return on equity | 11.77% | 14.97% | 18.60% | 19.07% | 19.71% | 19.27% | 14.84% | 12.95% |
| Net interest margin | 3.80% | 3.75% | 3.66% | 3.65% | 3.62% | 3.57% | 3.54% | 3.52% |
| Efficiency ratio | 58.9% | 60.2% | 54.7% | 54.6% | 54.8% | 55.5% | 56.4% | 56.9% |
| Noncurrent loans | 0.17% | 0.17% | 0.23% | 0.21% | 0.25% | 0.24% | 0.25% | 0.24% |
| Net charge-off rate | 0.25% | 0.31% | 0.23% | 0.23% | 0.24% | 0.25% | 0.23% | 0.22% |
| Leverage (core capital) ratio | 11.43% | 11.31% | 11.13% | 11.12% | 10.91% | 10.53% | 10.36% | 10.29% |
| Total risk-based capital ratio | 15.92% | 16.21% | 16.15% | 15.87% | 15.53% | 15.29% | 14.98% | 14.80% |
Assets grew 9.1% from Q2 2025.
Loan mix
Share of gross loans, Q2 2026
- Real estate loans$10.78B52.2%
- Commercial and industrial loans$4.57B22.1%
- Consumer loans$2.88B14.0%
Find bank branches in Missouri · Employees: 4,813
Frequently asked questions
- What is Commerce Bank's FDIC certificate number?
- Commerce Bank's FDIC certificate number is 24998.
- How big is Commerce Bank?
- Commerce Bank reported total assets of $35.02B and deposits of $28.1B as of Q2 2026.
- Is Commerce Bank FDIC insured?
- Yes. Commerce Bank has been insured by the FDIC since 02/21/1984. Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
Source: Federal Deposit Insurance Corporation, BankFind Suite (Call Report data) · Last updated 06/30/2026