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Commerce Bank
Kansas City, MO·FDIC Cert #24998·Charter: STATE·Est. 19840221.0·HC: COMMERCE BANCSHARES INC
Total Assets
$32.7B
Q4 2025
Return on Assets
1.74%
-0.01%Peer avg: 1.08%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
54.68%
Peer avg: 52.9%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
66
Satisfactory
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.74%-0.01
ROE
18.60%-0.47
Efficiency
54.68%+0.08
Equity/Assets
0.00%+0.00
NPL Ratio
0.23%+0.02
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
67.84%-0.34
Charge-offs
0.23%-0.00
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 1.4 | 0.7 | 1.1 | 1.2 | 1.7 | 1.8 | 1.8 | 1.7 |
| ROE | 17.6 | 9.0 | 12.9 | 14.8 | 19.3 | 19.7 | 19.1 | 18.6 |
| Efficiency | 61.8 | 58.0 | 56.8 | 56.4 | 55.5 | 54.8 | 54.6 | 54.7 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.2 | 0.2 | 0.2 | 0.3 | 0.2 | 0.3 | 0.2 | 0.2 |
| Charge-offs | 0.2 | 0.2 | 0.2 | 0.2 | 0.2 | 0.2 | 0.2 | 0.2 |
| Loan/Deposit | 69.3 | 68.9 | 65.9 | 66.4 | 65.7 | 67.7 | 68.2 | 67.8 |
Balance Sheet
Total Assets$32.7B
Total Deposits$25.9B
Total Loans$17.6B
Total Equity$3.3B
Profitability
ROA1.74%
ROE18.60%
Efficiency Ratio54.68%
Net Income$561.6M
Risk & Asset Quality
NPL Ratio0.23%
Charge-off Rate0.23%
Loan/Deposit67.84%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans