Headquartered in Kansas City, Missouri, Commerce Bank is a state-chartered bank (fed member) with $35.0B in total assets and $28.1B in deposits as of Q2 2026. It operates 153 offices across 8 states. Its charter dates back to 1984.
Based on its Q2 2026 filing, Commerce Bank scores 76/100, which we describe as strong. That is higher than 91% of 132 banks with $10 billion – $100 billion. Among 194 banks headquartered in Missouri, it ranks 65th. Its strongest component is problem-loan coverage (98/100; 0.9%), and its lowest is funding & liquidity (61/100; 73% loans-to-deposits, 39% uninsured).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 3 points (79 → 76), mostly because the earnings component weakened by 21 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 68 |
| Q3 2024 | 71 |
| Q4 2024 | 73 |
| Q1 2025 | 77 |
| Q2 2025 | 79 |
| Q3 2025 | 79 |
| Q4 2025 | 79 |
| Q1 2026 | 78 |
| Q2 2026 | 76 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.09% |
| Q3 2024 | 10.29% |
| Q4 2024 | 10.36% |
| Q1 2025 | 10.53% |
| Q2 2025 | 10.91% |
| Q3 2025 | 11.12% |
| Q4 2025 | 11.13% |
| Q1 2026 | 11.31% |
| Q2 2026 | 11.43% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.22% |
| Q3 2024 | 0.24% |
| Q4 2024 | 0.25% |
| Q1 2025 | 0.24% |
| Q2 2025 | 0.25% |
| Q3 2025 | 0.21% |
| Q4 2025 | 0.23% |
| Q1 2026 | 0.16% |
| Q2 2026 | 0.17% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.71% |
| Q3 2024 | 1.06% |
| Q4 2024 | 1.22% |
| Q1 2025 | 1.68% |
| Q2 2025 | 1.77% |
| Q3 2025 | 1.76% |
| Q4 2025 | 1.74% |
| Q1 2026 | 1.56% |
| Q2 2026 | 1.25% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 76 | $35.0B | 11.43% | 0.17% | 1.25% | 73.5% |
| Q1 2026 | 78 | $35.5B | 11.31% | 0.16% | 1.56% | 70.8% |
| Q4 2025 | 79 | $32.7B | 11.13% | 0.23% | 1.74% | 67.8% |
| Q3 2025 | 79 | $32.1B | 11.12% | 0.21% | 1.76% | 68.2% |
| Q2 2025 | 79 | $32.1B | 10.91% | 0.25% | 1.77% | 67.7% |
| Q1 2025 | 77 | $32.2B | 10.53% | 0.24% | 1.68% | 65.7% |
| Q4 2024 | 73 | $31.8B | 10.36% | 0.25% | 1.22% | 66.4% |
| Q3 2024 | 71 | $31.3B | 10.29% | 0.24% | 1.06% | 65.9% |
| Q2 2024 | 68 | $30.3B | 10.09% | 0.22% | 0.71% | 68.9% |
132 peers · $10 billion – $100 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Missouri
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Central Trust BankBank Jefferson City, MO | 69 out of 100, Moderate | $20.3B | 7.9% | 0.49% | vs |
| Stifel Bank and TrustBank Saint Louis, MO | 59 out of 100, Moderate | $19.6B | 7.1% | 1.09% | vs |
| Enterprise Bank & TrustBank Clayton, MO | 61 out of 100, Moderate | $17.4B | 9.9% | 0.98% | vs |
| Stifel BankBank Saint Louis, MO | 69 out of 100, Moderate | $14.6B | 7.1% | 0.06% | vs |
| UMB Bank, National AssociationBank Kansas City, MO | 65 out of 100, Moderate | $71.9B | 8.9% | 0.34% | vs |
Deposit insurance
Is my money safe at Commerce Bank?
Yes. Commerce Bank is an FDIC-insured institution (FDIC certificate #24998). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 38.6% of deposits ($10.8B) are above the $250,000 FDIC insurance limit, close to the peer median of 38%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 11.43%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 15.92% (benchmark: 10%).
153 locations
Branches
Commerce Bank lists 146 offices in 91 cities across 8 states. Most locations:
- Saint Louis, MO (10)
- Kansas City, MO (9)
- Wichita, KS (6)
- Columbia, MO (5)
- Naples, FL (4)
- Overland Park, KS (4)
- Springfield, MO (4)
- Fort Myers, FL (3)
- Independence, MO (3)
- Lees Summit, MO (3)
- Manhattan, KS (3)
- Peoria, IL (3)
HMDA 2025
Mortgage lending
In 2025, Commerce Bank reported 6,702 home-loan applications under HMDA (LEI 7DMUJTL9FFTVIAG9H788): 3,789 originated ($760,795,000 total), 1,923 denied, and 918 withdrawn or closed by the applicant. Its denial rate on decided applications was 33.2%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Commerce Bank
- Former names
- Commerce Bank, National Association; The Lenexa National Bank
- Type
- State-chartered bank (Fed member)
- FDIC certificate #
- 24998
- RSSD ID
- 601050
- Primary regulator
- FED
- Holding company
- Commerce Bancshares Inc
- Established
- February 21, 1984
- Headquarters
- 1000 Walnut St, Kansas City, MO 64106
- Website
- www.commercebank.com
- Employees
- 4,813
Quick answers
Commerce Bank: common questions
Is Commerce Bank FDIC insured?
Yes. Commerce Bank is an FDIC-insured institution (FDIC certificate #24998). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Commerce Bank's TellerScore?
76 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Commerce Bank ever failed?
There is no failure record for FDIC certificate #24998 in the FDIC failed bank list.
How many branches does Commerce Bank have?
153 offices as of the latest FDIC data, in 8 states.
Nearby
Highest-scoring banks and credit unions with branches near Kansas City
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Comanche County Federal Credit UnionCredit union Lawton, OK | 96 out of 100, Very strong | $36.4M | 18.8% | 0.00% | vs |
| Farmers Bank & TrustBank Great Bend, KS | 96 out of 100, Very strong | $1.1B | 24.0% | 0.19% | vs |
| K.U.M.C. Credit UnionCredit union Shawnee, KS | 95 out of 100, Very strong | $31.4M | 13.8% | 0.04% | vs |
| The Bank of Grain ValleyBank Grain Valley, MO | 95 out of 100, Very strong | $110.6M | 24.0% | 0.00% | vs |
| National Advisors Trust CompanyBank Leawood, KS | 94 out of 100, Very strong | $21.6M | 83.7% | 0.00% | vs |
| Reliance Credit UnionCredit union Kansas City, KS | 93 out of 100, Very strong | $25.1M | 16.4% | 0.30% | vs |