Side-by-side · Q2 2026 data
UMB Bank, National Association vs Commerce Bank
Metric by metric
| Measure | UMB Bank, National Association | Commerce Bank |
|---|---|---|
| TellerScore | 65 | 76 (stronger) |
| Capital cushion | 39 | 64 (stronger) |
| Loan quality | 89 | 94 (stronger) |
| Earnings | 75 (stronger) | 70 |
| Funding & liquidity | 43 | 61 (stronger) |
| Problem-loan coverage | 96 | 98 (stronger) |
| Peer percentile | 54th | 91st |
| Total assets | $71.9B | $35.0B |
| Deposits / shares | $60.2B | $28.1B |
| Capital ratio | 8.89% | 11.43% (stronger) |
| Problem loans | 0.34% | 0.17% (stronger) |
| Net charge-offs | 0.17% (stronger) | 0.25% |
| Return on assets | 1.39% (stronger) | 1.25% |
| Loans ÷ deposits | 67.7% (stronger) | 73.5% |
| Uninsured deposits | 63.6% | 38.6% (stronger) |
| Offices | 189 | 146 |
| CFPB complaints (3 yrs) | 306 | — |
| Complaints per $1B deposits | 5.1 | — |
| Mortgage denial rate (HMDA) | 30.5% | 33.2% |
Commerce Bank has the higher TellerScore (76 vs 65). On the 7 directional measures above (where higher or lower is clearly better), UMB Bank, National Association leads on 3 and Commerce Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Kansas City, MO
- Overland Park, KS
- Wichita, KS
- Saint Louis, MO
- Independence, MO
- Springfield, MO
- Denver, CO
- Olathe, KS
- Columbia, MO
- Scottsdale, AZ
- Saint Joseph, MO
- Lees Summit, MO
- Manhattan, KS
- Lenexa, KS
- Lawrence, KS
- Kansas City, KS
- O Fallon, MO
- Tulsa, OK
- Aurora, CO
- Oklahoma City, OK
- Prairie Village, KS
- Joplin, MO
- Belleville, IL
- Kirkwood, MO
- Shawnee, KS
- Liberty, MO
- Maryland Heights, MO
- Centennial, CO
- Leawood, KS
- Arnold, MO