BlastPoint's Banking Scorecard

Commerce Bank

$10B-$250B Specialty: Commercial MO FDIC cert 24998

Kansas City, MO

156 branches across MO · KS · FL · IL · CO · OK · AZ · NE · SC · TX

137 banks in the $10B-$250B peer group nationally 6 in MO

Commerce Bank has 3 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Revenue Diversifier: Top 17.1% in tier
+ Delinquency Rate 0.85% below tier average
+ ROA 0.28% above tier average

Key Concerns

Areas that may need attention

- Margin Compression: Bottom 66.7% in tier
- Efficiency Ratio 6.17% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Total Assets ?	$35.5B +10.2% YoY +8.6% QoQ	-$11.4B	$47.0B -1.9% YoY	$1.6B +6.5% YoY	$6.2B +9.1% YoY	69%
Total Loans ?	$20.3B +17.7% YoY +15.2% QoQ	-$9.1B	$29.4B -0.4% YoY	$1.0B +8.5% YoY	$3.2B +10.8% YoY	61%
Total Deposits ?	$28.6B +9.3% YoY +10.4% QoQ	-$9.8B	$38.4B -1.6% YoY	$1.3B +6.1% YoY	$4.8B +8.2% YoY	68%
Return on Assets ?	1.56% -7.4% YoY -10.6% QoQ	+0.28%	1.28% +18.7% YoY	1.43% +10.8% YoY	1.23% +13.4% YoY	80%
Net Interest Margin ?	3.75% +5.1% YoY +2.4% QoQ	-0.03%	3.77% +5.8% YoY	4.51% +2.1% YoY	3.89% +5.7% YoY	61%
Efficiency Ratio ?	60.17% +8.4% YoY +10.0% QoQ	+6.17%	54.01% -3.7% YoY	59.97% -5.2% YoY	66.95% -4.1% YoY	32%
Delinquency Rate ?	0.17% -31.8% YoY -27.5% QoQ	-0.85%	1.02% -3.8% YoY	0.83% +18.3% YoY	0.95% +18.8% YoY	Top 8.1% in tier
Loan-to-Deposit Ratio ?	70.76% +7.7% YoY +4.3% QoQ	-10.03%	80.79% +1.9% YoY	79.48% +1.6% YoY	76.70% +0.9% YoY	80%
Non-Interest-Bearing Deposit Share ?	29.02% -3.4% YoY -11.5% QoQ	+8.98%	20.04% +0.2% YoY	20.72% +0.3% YoY	22.01% -1.2% YoY	79%
Nonperforming Asset Ratio ?	0.10% -26.6% YoY -23.6% QoQ	-0.62%	0.72% +4.2% YoY	0.67% +20.5% YoY	0.67% +19.3% YoY	Top 10.2% in tier
Tier 1 Capital Ratio ?	15.39% +6.2% YoY +0.5% QoQ	-0.12%	15.51% -0.4% YoY	15.44% -0.4% YoY	17.06% +0.8% YoY	78%
Non-Interest Income / Assets ?	0.49% +1.6% YoY -74.9% QoQ	+0.27%	0.22% +0.3% YoY	0.29% +5.6% YoY	0.32% +4.1% YoY	Top 7.3% in tier

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12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Revenue Diversifier

growth

#7 of 35 • Top 17.1% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 0.49%

(Tier: 0.22%, National: 0.32%)

better than tier avg

Return on Assets: 1.56%

(Tier: 1.28%, National: 1.23%)

better than tier avg

35 of 35 Large banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank declining

Concerns (1)

Margin Compression

decline

#11 of 15 • Bottom 66.7% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature

Return on Assets: 1.56%

(Tier: 1.28%, National: 1.23%)

better than tier avg

15 of 15 Large banks match · 407 nationally

↑ Growing +94 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 137 peers in $10B-$250B

Top Strengths (7 metrics)

Non-Interest Income / Assets

revenue_mix

Value: 0.49%

Peer Median: 0.22%

#11 of 137 Top 7.3% in $10B-$250B

Delinquency Rate

credit_quality

Value: 0.17%

Peer Median: 1.02%

#12 of 136 Top 8.1% in $10B-$250B

Nonperforming Asset Ratio

credit_quality

Value: 0.10%

Peer Median: 0.72%

#15 of 137 Top 10.2% in $10B-$250B

Return on Assets

profitability

Value: 1.56%

Peer Median: 1.28%

#29 of 137 Top 20.4% in $10B-$250B

Loan-to-Deposit Ratio

liquidity

Value: 70.76%

Peer Median: 80.79%

#29 of 137 Top 20.4% in $10B-$250B

Non-Interest-Bearing Deposit Share

funding

Value: 29.02%

Peer Median: 20.04%

#30 of 137 Top 21.2% in $10B-$250B

Tier 1 Capital Ratio

capital

Value: 15.39%

Peer Median: 15.51%

#31 of 137 Top 21.9% in $10B-$250B

Top Weaknesses (0 metrics)

No weakness rankings available