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Commerce Bank
Kansas City, MO · FDIC Certificate #24998 · Chartered 02/2
Total assets
$35.02B
Total deposits
$28.10B
Total equity
$3.86B
Net loans
$20.64B
Branches (offices)
151
Net income (YTD)
$215.30M
Rank: #61 of 4,213 U.S. banks by assets · #2 of 190 in Missouri. Assets changed 9.1% and deposits 8.7% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.25% |
| Return on equity | 11.77% |
| Net interest margin (YTD) | 3.80% |
| Equity to assets | 11.02% |
| Tier 1 leverage ratio | 11.43% |
| Uninsured deposits (share of deposits) | 38.6% |
| Noncurrent loans (share of loans) | 0.17% |
| Net charge-offs (share of loans) | 0.25% |
| Loans to deposits | 73.5% |
| Real estate loans (share of loans) | 52.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $10.78B | 52.2% | |
| Commercial & industrial | $4.57B | 22.1% | |
| Consumer / individual | $2.88B | 14.0% | |
| Construction & development | $1.50B | 7.3% | |
| Agricultural | $112.30M | 0.5% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $33.26B | $28.39B | $219.62M | $2.24B |
| Jun 2023 | $32.65B | $26.17B | $239.88M | $2.14B |
| Jun 2024 | $30.35B | $24.69B | $109.30M | $2.49B |
| Jun 2025 | $32.10B | $25.86B | $284.00M | $3.05B |
| Jun 2026 | $35.02B | $28.10B | $215.30M | $3.86B |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Missouri | $19.49B | 88 |
| Kansas | $4.57B | 33 |
| Florida | $1.79B | 10 |
| Illinois | $1.50B | 10 |
| Oklahoma | $268.09M | 3 |
| Colorado | $186.07M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $28.10B.
Similar-sized banks
Hancock Whitney Bank ($36.33B) · Banc Of California ($34.90B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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