# COMMERCE BANK
KANSAS CITY, MO · FDIC certificate 24998 · asset band $10-100B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *fortress*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $35.02B | |
| Deposits | $28.10B | |
| Loans and leases | $20.84B | |
| Total equity | $3.86B | |
| Loans / deposits | 73.45% (p21 of band) | 85.78% |
| Liquid assets / assets | 35.48% (p82 of band) | |
| Uninsured deposits / deposits | 38.59% (p52 of band) | 38.39% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 7.08% (p49 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.43% (p81 of band) | 10.17% |
| Unrealized securities loss / equity | -16.88% (p16 of band) | -7.43% |
| AOCI / equity | 0.23% (p89 of band) | |
| ROA (annualized) | 1.25% (p54 of band) | 1.24% |
| Net interest margin | 3.80% (p64 of band) | 3.57% |
| Efficiency ratio | 58.89% (p70 of band) | |
| Noncurrent loans | 0.17% (p10 of band) | 0.66% |
| Net charge-offs (annualized) | 0.14% (p68 of band) | |
| Reserve coverage of noncurrent | 553.14% | |
| Real estate % of loans | 52% | |
| Construction % of loans | 38.82% (p62 of band) | |
| Auto loans | $745.6M (3.58% of loans; DQ 1.19%, NCO 0.01%) | |
| Loans to nondepository financials | $423.6M (11% of equity) (p57 of band) | |
| Deposits YoY | 8.7% | |
| Employees | 4813 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 1 | capital falling |  |
| 2012-03 | 0 |  | capital falling |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 1 | capital falling |  |
| 2013-06 | 0 |  | capital falling |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | capital falling |  |
| 2014-06 | 0 |  | capital falling |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 1 | capital falling |  |
| 2015-06 | 0 |  | capital falling |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 1 | capital falling |  |
| 2016-06 | 0 |  | capital falling |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | capital falling |  |
| 2017-06 | 0 |  | capital falling |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 1 | capital falling |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 3 | AOCI drag >20% of equity, NIM <2.5% |  |
| 2022-06 | 2 | securities losses >30% of equity | capital falling, NIM <2.5% |
| 2022-09 | 3 | assets shrinking |  |
| 2022-12 | 5 | deposits shrinking, uninsured deposits leaving |  |
| 2023-03 | 4 |  | AOCI drag >20% of equity |
| 2023-06 | 3 |  | assets shrinking |
| 2023-09 | 3 |  |  |
| 2023-12 | 1 |  | deposits shrinking, uninsured deposits leaving |
| 2024-03 | 2 | assets shrinking |  |
| 2024-06 | 3 | deposits shrinking |  |
| 2024-09 | 0 |  | securities losses >30% of equity, assets shrinking, deposits shrinking |
| 2024-12 | 1 | securities losses >30% of equity |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 0 |  | securities losses >30% of equity |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-06-30 [Commerce Bank in St. Louis to buy boutique firm - Banking Dive](https://news.google.com/rss/articles/CBMijAFBVV95cUxQZ0dqYXNablVraXpHSzIzekxiV1dtb0tZMU0xSEM4azRvSTV5MWtpMlk4MnFwU3RyRmxoQTRDOHFiVjZjamFoTDl5NFpzdlBOSEtVVGpSZjBqOWZpSEZ0aURFMFdDTjNrNG9OSmEwYnZ3bXpZYjd6Vm00czZMVmJGeGxZRUNEVDdNd3BGRg?oc=5) · Banking Dive
- 2026-08-10 [FBI investigating bank robbery at Brookside bank - KCTV](https://news.google.com/rss/articles/CBMihgFBVV95cUxPb24yalFLQzU3Y0JLSlllMWFVa3Q1MFlMZVhsXzAwMWphbTN6aUhZejZhOTNTM3Y3cExhd05xUUFQNXlicWNlN1JmQkpoXzNKRi1jYU5PRTdOMFVQdG94TWZ5U2EtNFdQRGMzVi1sLVJsT1R4bDFDYW1yY29MN0wtajJzeThHd9IBmgFBVV95cUxQZ3NHZ0dTMWJfX25EdGJuNmJNbVVtZzc5RnRtRURJVkZiOUp3cFV4X3NSUGV6aUZaajQ2ZHlCcklVLVFUVHo2aW1aVm0waXhTRE9jMFE2Zm9YRjZZZ3JPLUxnczN2RW9pZmFUaWRXc1VpaVowSkRJZTdUZE9lYWc3UjdPSGV1TGxSdnZpSm1TS0gzeDFraTh6NFpB?oc=5) · KCTV
- 2026-08-10 [FBI: Man in bucket hat displays gun, robs Commerce Bank location in Kansas City - kmbc.com](https://news.google.com/rss/articles/CBMirgFBVV95cUxQYjNYOWpxdF9wNTFTMWJtQ0xHa3B2UFphSDVZd0g3bjZ6ak51RFBaLU1US01aNmhEaUpnZnNPbG9IcWtYVXpDbVBNTVhBa0x4bHNkXzlYREQzSU5SdnNsVmFGMUR6ZGROZ1VqYmF2SDRNQWdGMVZSWWhucjdrOUFoaEZlMnBVaGFEel9EQ3NibWgzdTRIMjF6SmdnWWRsYW9kUXYtNFMtQmR5UHV3X1E?oc=5) · kmbc.com
- 2026-08-26 [Commerce Bank Makes New $1.69 Million Investment in Southern Missouri Bancorp, Inc. $SMBC - MarketBeat](https://news.google.com/rss/articles/CBMi3gFBVV95cUxOZllCRFU2R3lQS0YwUi1BajJJSHMtRDdrVUZ0RFF3LWM1VkhwekpVaW1vY1N6OG43OGhmbDI2eWxwVzhha294YkpYbmdwYXBDdnlRYWxLbUdKbU5GVnpvVGd3U1BXUlVJdFhHX1ZrNlBMS2NpU08zcWplR2VyLTBLbndRMVhXMDJ2bG9ac21VTXlsbjdFRWZaUkM5X2ZOcFczMmRKMGY1UGpIWEZyVk9lVy1tTEgzc1lPYUQ0UlRiTnU0N1JDNURGMWRHQzd3NzFKMlF0RkQ2X3U4SEE0Znc?oc=5) · MarketBeat
- 2025-11-18 [Norton Rose Fulbright relocates St. Louis office to Commerce Bank Tower following recent growth - Norton Rose Fulbright](https://news.google.com/rss/articles/CBMi4AFBVV95cUxNSmIwS09XVmYxaDJyNkpqQndWMlp2RkxOdmdwVC05dV9ZTDl6cUd6amRWSVV5OEw4WU5yZ3ZnNjF0VmY3U2xXd0lNUmNhZFRVVkExWlI4YXBzVXFzQU9lcFhCZnpUZVMxVWhWY2puYUFKMmVZQmQ0aEh3R3g2b1IxMVhzaGx6R2h0ZTlRbm80bGoxRUh5QXVybGZEaG5mQVdsdnpocENvbVJVa2RkVXlnQ0tvSjNmRFlrdHBLZU55emlEYnZvT3dIM0Y1WktyNXhPOWw2WkFqbUZwSEFZb241ZQ?oc=5) · Norton Rose Fulbright
- 2026-06-29 [Commerce Bank to Acquire Nolan & Associates, Adding Investment Banking Capabilities for Middle-Market Clients - Business Wire](https://news.google.com/rss/articles/CBMi9gFBVV95cUxQaE03TXZ2M0VjT3R4YU9pN3VzRm1HZlBNT05pQmJZTm85emJaNEY2NXU4bFhqMHlEVDQ5WUNvWmVzbzZlM0I2U0VxWGphOEVrOG9wQTFIdEQ1UWI0QXhLX3NybTc1VWliSHMzZF9uSjhxQnFOSVJSX2ExU3dWS2NCLUh0UTJxaU9Nc1ZQQzM3RVQ3MUFWUmJ4bnRsZm9mXzhKemxEOGRUdXh1NXUzdnNaRDJtdHllNFFvWDNQSEdHc2l5ZXJmZFdQMko1Smprcy1XMWhJekxLYVc3SExjeFlXb0lKM2NzR3NKd3RqZ2pSaElaSVpCMHc?oc=5) · Business Wire
- 2026-05-22 [Fed Targets Ex-Commerce Bank Employee in Enforcement Action - Mirage News](https://news.google.com/rss/articles/CBMiggFBVV95cUxPNE51SDFyZ3FHMjZ3YlVGQ2ZUUklFVXJxbVMxa0Q1RnJ5bWxabVZmMFhLR3hmQVF3c3FwTGxOSnMwZEN0RzRkSDZENHh1X1paTmtYR0JWZFYyWm5RdGtGRjc0VHhYdmlFc050Rmh0YnVCUzJXVi1NZjVzU0kzbFZsT3Jn?oc=5) · Mirage News
- 2026-08-10 [Bucket hat-wearing gunman robs Brookside bank Monday afternoon - KSHB 41 Kansas City](https://news.google.com/rss/articles/CBMimgFBVV95cUxNOTM0NlZVWXdUbFRRejFNa1dRV0lQZUxwbW5ONWN6dDREejgzVG1sei1oM2RFNHpFNWtLam9teHlaNWtybVFJYkVpUkNOZlh3YVhZVTdOZGNtR0ZuM1FndUg1UnpWeGVJdEs3SFpQMkFoN2MyODNtM1d0dHRETFJpd3Q0UDJCaDBQU1J2UjVNR2o2bVpzQWxMX0Fn?oc=5) · KSHB 41 Kansas City

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=24998 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/38.json (key "24998", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide