Total Assets
$32.7B
Total balance-sheet footings
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.
- $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.
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.
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 Deposits
$25.9B
Customer-funded liabilities
Net Loans
$17.6B
Outstanding loan book
Net Income
$562M
Bottom-line earnings
Capital adequacy vs federal thresholds
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'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.
Safety metrics
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
Profitability metrics
Return on Assets (ROA)
84th percentile nationally
1.74%
Return on Equity (ROE)
18.60%
Efficiency Ratio
54.68%
What the numbers say about Commerce Bank
Commerce Bank is an FDIC-insured institution (Certificate #24998) headquartered in Kansas City, Missouri, established in 1984. It holds $32.7B in total assets - 67th of 4,313 FDIC-insured banks, $25.9B in customer deposits, and $17.6B in net loans. Its capital position: a Tier 1 ratio of 15.32%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 1.17% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of A (97 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Nationally, Commerce Bank sits in the top decile of all FDIC-insured institutions by asset size (67th of 4,313), and within Missouri it ranks 2nd of 198 state-chartered and national banks headquartered there. The next-largest bank in the state by assets is The Central Trust Bank, at $20.8B. A bank of this scale carries systemic weight in its market -- its lending and deposit decisions move local credit availability in a way a community-scale institution's simply cannot.
Income & expense breakdown
$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.
Top banks in Missouri by total assets
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.
| Bank | State | Assets | ROA | Efficiency | Tier 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% |
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.
Other banks in Missouri
All Missouri banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| 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% |
Frequently asked questions
What is Commerce Bank's health grade?▼
Commerce Bank receives a health grade of A (97/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is Commerce Bank?▼
Commerce Bank holds $32.7B in total assets and $25.9B in deposits, ranking 67th of 4,313 FDIC-insured banks by asset size. It is headquartered in Kansas City, Missouri.
Is my money safe at Commerce Bank?▼
Yes, deposits at Commerce Bank (Certificate #24998) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Commerce Bank's Tier 1 Capital Ratio?▼
Commerce Bank has a Tier 1 Capital Ratio of 15.32%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Commerce Bank?▼
Commerce Bank has a Texas Ratio of 1.17%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Commerce Bank?▼
Commerce Bank has an Efficiency Ratio of 54.68%. Under the 60% mark counts as efficient, more of every revenue dollar reaches the bottom line. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Commerce Bank's profile as a depositor or analyst.
- Commerce Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Commerce Bank against other Missouri banks before moving funds. Missouri banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.