FDIC Cert #24998 · Kansas City, Missouri · Est. 1984

Commerce Bank - FDIC Bank Health Profile

One of the largest FDIC-insured institutions in the country, drawn straight from its quarterly Call Report to BankFind Suite.

Compiled from official public sources by the publisher.
$32.7B
Total assets
A
Health grade · Excellent
1.74%
Return on assets
15.3%
Tier 1 capital

Data updated July 2026

The verdict

Commerce Bank earns a PlainBankData health grade of A (97/100), with well-capitalized at 15.32% Tier 1, profitable at 1.74% ROA, efficient (55% cost ratio).

#67
largest of 4,313 FDIC banks by assets
99th
percentile by asset size, nationally
15.32%
Tier 1 ratio - above the 10% well-capitalized line
84th
percentile for profitability (ROA), nationally

PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.

FDIC Call Report plate

Cert 24998 · MO A · 97/100

GRADE-A · TOP-DECILE · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-STRONG · SIZE-LARGE · BOOK-FULL

  • GRADE-A A (97/100)
  • TOP-DECILE #156/4307
  • PHOTO-FINISH International Bank o… · TX
  • TIER1-WELL 15.3% Tier 1
  • TEXAS-CLEAN 1.2% Texas
  • ROA-STRONG 1.74% ROA
  • SIZE-LARGE $10–100B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Missouri: International Bank of Commerce, TX (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Commerce Bank

Lowest and highest poles plus nearest scored peers outside Missouri, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Capitol National Bank · MI ·…97/100Commerce Bank · MO · this ba…97/100Hatch Bank · CA · near97/100International Bank o… · TX ·…97/100Republic Bank & Trus… · KY ·…97/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Commerce Bank · July 2026

Call Report read for Commerce Bank in a high-failure state

Commerce Bank (FDIC Cert #24998) carries a PlainBankData health grade of A at 97/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #156 of 4,307. Tier 1 capital prints at 15.32%, clearing the 10% well-capitalized line. The Texas Ratio is 1.17%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.74%. Balance-sheet scale is $32.7B, 67th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is International Bank of Commerce (TX), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Commerce Bank

16 FAILURE resolutions in Missouri since 2000, heavy vs the state corpus

Commerce Bank sits in one of the heavier post-2000 FAILURE states (16 resolutions; latest year 2012). The list below is state history from the Failed Bank List, not a claim about Commerce Bank's current Call Report.

  • TRUMAN BANK ST. LOUIS, MO 2012 → SIMMONS FIRST NATIONAL BANK
  • GLASGOW SAVINGS BANK GLASGOW, MO 2012 → REGIONAL MISSOURI BANK
  • COMMUNITY BANK OF THE OZARKS SUNRISE, MO 2012 → BANK OF SULLIVAN

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Missouri banks.

How Commerce Bank's 97/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10097/100
Commerce Bank's composite health score
Tier 1 Capital Ratio (15.32%) 40/40
Return on Assets (ROA) (1.74%) 25/25
Texas Ratio (1.17%) 20/20
Efficiency Ratio (54.68%) 12/15

97 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$32.7B

Total balance-sheet footings

Total Deposits

$25.9B

Customer-funded liabilities

Net Loans

$17.6B

Outstanding loan book

Net Income

$562M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% 18% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 13.92% 15.32% 16.72%
Basel III capital ratios - Commerce Bank

Where Commerce Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Commerce Bank's score of 97/100 falls in the highlighted band.

Commerce Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

97 Top 4% higher than 96% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). Below this entry. 90–100: 815 FDIC-insured banks (19%). This entry sits in this band. Commerce Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Commerce Bank's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Commerce Bank's $32.7B falls in the highlighted band.

Capital & credit buffers at Commerce Bank

Tier 1 capital ratio
Well-capitalized 10%

15.32% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
15.32%
Texas Ratio
1.17%
Equity Capital
$3.3B

What these ratios mean →

Earnings posture at Commerce Bank

Return on Assets (ROA)
84th percentile nationally
1.74%
Return on Equity (ROE)
18.60%
Efficiency Ratio
54.68%

What these mean →

Income & expense at Commerce Bank

$1.5B
Interest Income
$638M
Non-Interest Income
$950M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Commerce Bank reports a Texas Ratio of 1.17% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

1.17% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Commerce Bank on FDIC BankFind →

Top banks in Missouri by total assets

Largest banks headquartered in Missouri
  1. 1
    UMB Bank $72.8B

    Kansas City, MO · Grade A

  2. 2
    Commerce Bank $32.7B

    Kansas City, MO · Grade A

  3. 3
    The Central Trust Bank $20.8B

    Jefferson City, MO · Grade A

  4. 4
    Stifel Bank and Trust $19.4B

    Saint Louis, MO · Grade A

  5. 5
    Enterprise Bank & Trust $17.3B

    Clayton, MO · Grade B

Top 5 banks in Missouri ranked by total assets · FDIC Call Report Q4 2025.

National size peers: banks closest to Commerce Bank by assets

Measured strictly by total assets rather than geography, Commerce Bank's closest national peers include Fulton Bank, Glacier Bank, United Bank, BNY Mellon, spanning 5 different states -- a reminder that at this scale, competition and comparison happen nationally, not just within Missouri. Averaged across this asset-matched cohort, return on assets runs 1.21% (Commerce Bank is above that at 1.74%), the efficiency ratio averages 56.12% (Commerce Bank runs leaner at 54.68%), and Tier 1 capital averages 13.04% (Commerce Bank holds more at 15.32%). None of this cohort competes on branch count alone -- balance-sheet scale, funding mix, and regulatory capital posture are the metrics that actually separate similarly-sized institutions.

At $32.7B in assets, Commerce Bank has crossed the $10 billion threshold at which the CFPB takes over direct supervision for consumer-protection compliance under Dodd-Frank Act Section 1025, rather than leaving that oversight solely to the bank's primary prudential regulator.

Closest banks to Commerce Bank nationally by total assets
  1. 1
    Fulton Bank $32.0B

    Lancaster, PA · Grade A

  2. 2
    Glacier Bank $32.0B

    Kalispell, MT · Grade B

  3. 3
    United Bank $33.5B

    Fairfax, VA · Grade A

  4. 4
    BNY Mellon $31.3B

    Pittsburgh, PA · Grade B

  5. 5
    Texas Capital Bank $31.3B

    Dallas, TX · Grade A

  6. 6
    First National Bank of Omaha $34.6B

    Omaha, NE · Grade A

Six FDIC-insured banks nearest in total assets nationwide, regardless of state.

Head-to-head against the six closest national size peers, same FDIC Call Report vintage.
BankStateAssetsROAEfficiencyTier 1
Commerce Bank (this bank) MO $32.7B 1.74% 54.68% 15.32%
Fulton Bank, National Association PA $32.0B 1.33% 56.05% 12.84%
Glacier Bank MT $32.0B 0.90% 61.10% 12.67%
United Bank VA $33.5B 1.50% 45.99% 13.75%
BNY Mellon, National Association PA $31.3B 0.94% 66.72% 14.35%
Texas Capital Bank TX $31.3B 1.10% 57.52% 13.01%
First National Bank of Omaha NE $34.6B 1.51% 49.34% 11.64%

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($32.7B here), outside Missouri so the neighborhood is not state containment.

Fulton Bank $32.0B · PA Glacier Bank $32.0B · MT United Bank $33.5B · VA BNY Mellon $31.3B · PA

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Commerce Bank (FDIC Cert #24998) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Commerce Bank Call Report profile · FDIC Failed Bank List · Missouri FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Missouri

All Missouri banks →
BankAssetsGradeROA
UMB Bank, National AssociationKansas City $72.8B A 1.01%
The Central Trust BankJefferson City $20.8B A 1.82%
Stifel Bank and TrustSaint Louis $19.4B A 1.82%
Enterprise Bank & TrustClayton $17.3B B 1.29%
Stifel BankSaint Louis $11.7B A 1.49%
First BankSt. Louis $6.7B B 0.51%
Great Southern BankReeds Spring $5.6B A 1.31%
Southern BankPoplar Bluff $5.0B A 1.36%