Commerce Bank

Kansas City, Missouri · $35.02B in assets · beside the 5 other Missouri banks over $10B

The filing

1.22%

ROA

5th of 6

60.0%

Efficiency

5th of 6

11.0%

Equity / assets

2nd of 6

Commerce Bank is the second largest of the 6 Missouri banks over $10B, with $35.02B in assets at 30 June 2026. Loans are 74.1% of deposits, 4th of 6 against a median of 73.5%, and equity is 11.0% of assets, 2nd of 6. Loans grew +17.9% in the year, 2nd of 6, and deposits grew 8.7%; the cohort's median loan growth is +9.2%.

Noncurrent loans are 0.17% of the book, 2nd of 6 against a median of 0.42%; 0.29% is 30 to 89 days past due, and the allowance covers them 5.5 times. Net charge-offs are 0.24% of loans, 4th of 6. Commercial real estate is 18.9% of loans, 3rd of 6 against a median of 22.5%, and 93% of capital, below the 300% screen, with construction at 36% against the 100% screen.

Return on assets is 1.22%, 5th of 6 against a median of 1.36%, on an efficiency ratio of 60.0%, 5th of 6. Five years ago it was 1.66%. The question is which of these lines moves first over the next four quarters, and against which peer.

Return on assetsMO banks over $10B · 30 June 2026 · higher is stronger, listed first

Loans, year over yearMO banks over $10B · 30 June 2026 · no better direction, largest first

SBA 7(a), FY2008 to FY2026

Commerce Bank is the 7th largest 7(a) lender into Missouri of 444, with $229M across 926 loans, 3.0% of everything approved in the state (Oakstar Bank leads with $556M). 60 of its 109 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Missouri, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book

Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record

Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026

County	Approved	Rank	Share	Trend
Saint Louis, MO	$50M	6th of 178	3.5%	+3.0 pts
Cole, MO	$37M	1st of 23	38.9%	thin
Johnson, KS	$24M	11th of 185	2.0%	-0.7 pts
Jackson, MO	$24M	11th of 183	2.4%	-0.4 pts
Dallas, TX	$23M	56th of 314	0.4%	quiet FY2022
Arapahoe, CO	$17M	25th of 166	1.1%	-0.6 pts
Greene, MO	$17M	10th of 80	2.1%	+2.8 pts
Tulsa, OK	$17M	16th of 159	1.5%	thin
Saint Charles, MO	$10M	11th of 136	2.2%	+2.0 pts
Boone, MO	$8M	6th of 67	3.9%	-1.2 pts
Franklin, MO	$8M	6th of 49	6.4%	-0.0 pts
Buchanan, MO	$8M	3rd of 43	7.5%	thin
Clay, MO	$8M	7th of 107	2.9%	+0.3 pts

96 smaller markets not shown.

What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally

Industry	Loans	Approved	Share of book	Share of sector	Rank
Wholesale trade	111	$59M	16.2%	0.23%	81st of 1,651
Transportation & warehousing	134	$45M	12.5%	0.34%	53rd of 1,563
Manufacturing	106	$43M	11.9%	0.11%	170th of 2,246
Retail trade	151	$34M	9.3%	0.06%	230th of 2,589
Health care & social assistance	156	$32M	8.9%	0.07%	184th of 2,172

7(a) lenders into Missouri, share of approvals since FY2008444 lenders on record; the ten largest and Commerce Bank

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; owner-occupied excluded; bold marks a screen met

	Commerce Bank	Rank	Cohort median
Total CRE against capital, the 300% screen	93%	2nd of 6	130%
Construction against capital, the 100% screen	36%	2nd of 6	41%
Construction and land development, share of loans	7.2%	5th of 6	6.8%
Non-owner-occupied nonfarm nonresidential, share of loans	10.3%	3rd of 6	12.5%
Total CRE, the guidance definition, share of loans	18.9%	3rd of 6	22.5%
CRE growth over 36 months, the third prong	+6.2%	4th of 6	+4.1%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends

Institution	Assets	ROA	Efficiency	NPA / loans	Net charge-offs	Allowance / loans	Loans / deposits	Equity / assets
UMB Bank National Association	$71.90B	1.4%	51.4%	0.34%	0.17%	1.1%	68.4%	10.9%
Commerce Bank	$35.02B	1.2%	60.0%	0.17%	0.24%	0.9%	74.1%	11.0%
Central Trust Bank	$20.31B	2.0%	47.8%	0.49%	0.10%	1.3%	71.3%	9.0%
Stifel Bank & Trust	$19.62B	1.9%	26.9%	1.09%	0.41%	0.6%	86.9%	6.8%
Enterprise Bank & Trust	$17.36B	1.1%	61.0%	0.98%	0.30%	1.2%	80.8%	11.8%
Stifel Bank	$14.62B	1.3%	29.1%	0.06%	0.00%	0.4%	72.9%	6.2%

Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points

	Commerce Bank			Cohort median
	2021	2026	Change	2021	2026	Change
Loans	$15.66B	$20.84B	+33%	$9.19B	$13.56B	+48%
Deposits	$27.74B	$28.10B	+1%	$11.55B	$16.97B	+47%
NPA / loans	0.15%	0.17%	+0.02 pts	0.19%	0.42%	+0.23 pts
Efficiency	56.0%	60.0%	+4.0 pts	54.6%	49.6%	-5.0 pts
ROA	1.66%	1.22%	-0.44 pts	1.46%	1.36%	-0.09 pts

This read was prepared for Commerce Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Commerce Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort MO banks over $10B
Institution www.commercebank.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.

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