Commerce Bank


1001 Main St
Kansas City, MO 64105
See all branch locations →

Phone 800 453 2265

Notable Rates APY Vs.Others
Savings N.A. 5.50% →
1-Year CD N.A. 5.38% →
2-Year CD N.A. 4.95% →
5-Year CD N.A. 4.55% →
30-Year Mortgage N.A. 4.91% →
15-Year Mortgage N.A. 4.39% →
HELOC N.A. 0.99% →

2024 Overview

General Bank Information

Commerce Bank is an FDIC insured institution located in Kansas City, MO. It was founded in 1984 and has approximately $30.2 billion in assets. Customers can open an account at one of its 196 branches.

FDIC Insured Yes
FDIC Certificate # 24998
Date Established 1984
Assets $ 30.20 billion
Loans $ 17.14 billion
Deposits $ 24.74 billion
Capital $ 2.41 billion

For a more detailed analysis of Commerce Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - July 24, 2024

Your Current Location: Virginia, VA 20146

Checking Rates APY MIN FEE
CommerceBasic Checking 0.00% $300 $8.00 Learn MoreShow Less
CommerceInterest Checking 0.06% $500 $10.00 Learn MoreShow Less
CommerceRelationship Checking 0.06% $5,000 $20.00 Learn MoreShow Less

Loan Rates - July 24, 2024

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Commerce Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2024

Lender APR Rate (%) Monthly
Learn More
Mutual of Omaha Mortgage, Inc.
NMLS ID: 1025894
6.725% 6.625%
0.75 points
$3,298 fees
$2,049 Learn More
New American Funding, LLC.
NMLS ID: 6606
6.834% 6.740%
1.00 points
$3,075 fees
$2,074 Learn More
Rocket Mortgage
NMLS ID: 3030
7.064% 6.990%
0.75 points
$2,400 fees
$2,127 Learn More
Neighbors Bank
NMLS ID: 491986

Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2024

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
7.990 %
$0 Learn More
More Info

Note to Commerce Bank
To upload and update your bank's rates please register. It is free to register and add rates.


Commerce Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:

Climate Policy and Initiatives

Commerce Bank is encouraged to provide us with this information. When we receive this information from the bank, we will provide it here.

Add Your Review

or use your BestCashCow account


Financial Details

Commerce Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Commerce Bank. The data is provided by the FDIC. All banks listed on are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Commerce Bank U.S. Bank Average
1.06% 4.29%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of March 31, 2024, Commerce Bank had $26,065,000 in non-current loans and $1,244,000 in owned real estate. To cover these potential losses it had $2,410,304,000 in equity and $160,465,000 in loans loss reserves. That gives it a Texas Ratio of 1.06%.

Return on Equity
Commerce Bank U.S. Bank Average
17.63% 10.46%

Commerce Bank has a Return on Equity of 17.63% versus the BestCashCow average of 10.46%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Commerce Bank U.S. Bank Average
7.98% 10.73%

Commerce Bank has a Capitalization of 7.98% versus the BestCashCow average of 10.73. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Commerce Bank Balance Sheet Analysis

As of March 31, 2024, Commerce Bank had assets of $30,203,812,000, loans of $17,140,703,000, and deposits of $24,744,749,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

March 31, 2024
Cash & Balances due from depository institutions $ 1,913.71 million
Interest-bearing balances $ 1,609.86 million
Total securities $ 9.15 billion
Federal funds sold and reverse repurchase $ 225.00 million
Net loans and leases $ 17.14 billion
Loan loss allowance $ 160.47 million
Trading account assets $ 57.08 million
Bank premises and fixed assets N.A.
Other real estate owned $ 1.24 million
Goodwill and other intangibles $ 160.46 million
All other assets $ 897.52 million
     Total Assets $ 27.79 billion
Total deposits $ 24.74 billion
      Interest-bearing deposits $ 16.93 billion
      Deposits held in domestic offices $ 24.74 billion
      % insured (estimated) 61.32%
Federal funds purchased and repurchase agreements $ 2.51 billion
Trading liabilities $ 2.60 million
Other borrowed funds $ 51.77 million
Subordinated debt N.A.
All other liabilities $ 340.67 million
      Total Liabilities $ 27.79 billion
      Shareholders’ Equity $ 2.41 billion

Summary Income Statement

March 31, 2024
Total Interest Income $ 353.36 million
Total Interest Expense $ 110.33 million
Net interest income $ 243.03 million
Provision for loan and lease losses $ 4.79 million
Total non interest income $ 147.26 million
Total non interest expense $ 241.28 million
Pre-tax Net Operating Income $ 289.41 million

Bank Loan Profile?

The top three loan types in Commerce Bank’s loan portfolio are Commercial and Industrial Loans, 1-4 Family Residential Loans, and Commercial Real Estate.

Compared to other banks in Missouri, Commerce Bank has a significantly higher percent of Credit Card Loans, Consumer Auto Loans, Commercial and Industrial Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 19.47
Credit Card Loans 3.26
Consumer Auto Loans 4.64
Small Business Loans 1.45
Construction and Development Loans 7.40
Commercial Real Estate 15.47
Commercial and Industrial Loans 20.33
Farm Loans 0.49

Customer Reviews for Commerce Bank

There are currently no comments for Commerce Bank. Be the first to share your experience. Please provide comments that will help others.

Add Your Review

or use your BestCashCow account