BlastPoint's Banking Scorecard

Commerce Bank

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

Kansas City, MO

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

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 139 banks in the $10B-$250B peer group nationwide — 1 of 6 in MO.
Deposits +8.7% year over year ($28.1B on the books).
Delinquency rate 0.17%.
Return on assets 1.25%.
Efficiency ratio 58.89% vs a 53.67% peer average.
Loan-to-deposit ratio 73.45% vs a 82.61% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

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

View $10B-$250B leaderboard (MO) →

Commerce Bank has 3 strengths but faces 3 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 28.6% in tier
+ Delinquency Rate 0.84% below tier average
+ Nonperforming Asset Ratio 0.62% below tier average

Key Concerns

Areas that may need attention

- Margin Compression: Bottom 16.7% in tier
- Net Interest Margin 0.12% below tier average
- Efficiency Ratio 5.22% above tier average

Get updates when Commerce Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Total Assets ?	$35.0B +9.1% YoY -1.5% QoQ	-$8.6B	$43.6B -13.8% YoY	$1.6B +6.4% YoY	$6.3B +7.7% YoY	70%
Total Loans ?	$20.6B +17.9% YoY +1.9% QoQ	-$7.3B	$28.0B -8.6% YoY	$1.0B +10.0% YoY	$3.2B +9.4% YoY	63%
Total Deposits ?	$28.1B +8.7% YoY -1.9% QoQ	-$7.3B	$35.4B -14.0% YoY	$1.3B +6.1% YoY	$4.9B +7.3% YoY	68%
Return on Assets ?	1.25% -29.4% YoY -19.8% QoQ	-0.14%	1.39% +25.9% YoY	1.46% +5.9% YoY	1.30% +12.1% YoY	52%
Net Interest Margin ?	3.80% +5.0% YoY +1.6% QoQ	-0.12%	3.92% +8.9% YoY	4.55% +0.7% YoY	3.95% +4.9% YoY	62%
Efficiency Ratio ?	58.89% +7.5% YoY -2.1% QoQ	+5.22%	53.67% -1.9% YoY	59.57% -3.2% YoY	70.05% +2.5% YoY	32%
Delinquency Rate ?	0.17% -32.2% YoY +2.8% QoQ	-0.84%	1.01% -2.8% YoY	0.82% +12.6% YoY	0.98% +16.3% YoY	Top 6.5% in tier
Loan-to-Deposit Ratio ?	73.45% +8.5% YoY +3.8% QoQ	-9.16%	82.61% +3.1% YoY	80.82% +1.6% YoY	79.03% +2.3% YoY	79%
Non-Interest-Bearing Deposit Share ?	29.89% -0.4% YoY +3.0% QoQ	+9.31%	20.58% +4.9% YoY	20.71% -0.5% YoY	21.98% -0.6% YoY	80%
Nonperforming Asset Ratio ?	0.11% -23.2% YoY +9.6% QoQ	-0.62%	0.73% +5.8% YoY	0.67% +14.9% YoY	0.69% +15.8% YoY	Top 9.4% in tier
Tier 1 Capital Ratio ?	15.11% +2.4% YoY -1.8% QoQ	-0.24%	15.35% -0.4% YoY	15.38% -1.1% YoY	17.09% +0.8% YoY	78%
Non-Interest Income / Assets ?	1.01% +2.2% YoY +106.2% QoQ	+0.51%	0.50% +10.5% YoY	0.58% +5.8% YoY	0.66% +5.2% YoY	Top 8.6% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Noninterest-Bearing	29.9% -0.1pp YoY +0.9pp QoQ	+8.9pp	21.0%	20.9%	22.2%	79%
Brokered Deposits	n/a	n/a	9.2%	7.4%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
C&I	22.1% -1.0pp YoY +0.2pp QoQ	+4.9pp	17.2%	12.3%	12.5%	78%
CRE	26.0% -2.3pp YoY -0.9pp QoQ	-16.0pp	42.0%	36.8%	41.4%	22%
1-4 Family	25.3% +4.5pp YoY -0.5pp QoQ	+2.2pp	23.1%	31.9%	31.3%	66%
Consumer	14.0% -0.4pp YoY +0.1pp QoQ	+1.1pp	12.9%	4.1%	5.0%	79%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
CET1 Ratio	15.1% +0.3pp YoY -0.3pp QoQ	-0.2pp	15.3%	18.5%	19.7%	78%
Leverage Ratio	11.4% +0.5pp YoY +0.1pp QoQ	+1.0pp	10.4%	11.6%	12.6%	81%
Total Capital Ratio	15.9% +0.4pp YoY -0.3pp QoQ	-0.6pp	16.5%	19.6%	20.8%	73%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Full-Time Employees	4,813 +315 (+7.0%) YoY +16 (+0.3%) QoQ	+1,555	3,258	162	482	85%
Assets per Employee ($)	$7.3M +1.9% YoY -1.8% QoQ	-$19.8M	$27.0M	$8.0M	$8.8M	6%
Branch Count	154 +10 (+6.9%) YoY -1 (-0.6%) QoQ	+16	137	10	18	69%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Past Due 90+ Days	0.1% 0.0pp YoY 0.0pp QoQ	-0.3pp	0.4%	0.3%	0.4%	69%
Nonaccrual	0.1% -0.1pp YoY 0.0pp QoQ	-0.7pp	0.7%	0.8%	1.0%	4%
Allowance Coverage	5.53x +47.9% YoY -6.0% QoQ	+2.72x	2.81x	10.47x	20.23x	93%
Net Charge-off Rate (YTD)	0.2% 0.0pp YoY -0.1pp QoQ	-0.2pp	0.4%	0.3%	0.2%	63%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
ROE	11.8% -7.9pp YoY -3.2pp QoQ	-0.9pp	12.6%	14.3%	11.6%	56%
Cost of Funds (YTD)	1.2% -0.1pp YoY 0.0pp QoQ	-0.8pp	2.0%	1.8%	1.7%	9%
Net Income ($, YTD)	$215.3M -24.2% YoY — QoQ	-$81.5M	$296.8M	$11.3M	$40.4M	65%

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$250B+

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

#11 of 35 • Top 28.6% 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: 1.01%

(Tier: 0.50%, National: 0.66%)

better than tier avg

Return on Assets: 1.25%

(Tier: 1.39%, National: 1.30%)

but worse than tier avg

35 of 35 Large banks match · 923 nationally

→ Stable | QoQ rank declining

Concerns (1)

Margin Compression

decline

#4 of 18 • Bottom 16.7% 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: 1.25%

(Tier: 1.39%, National: 1.30%)

worse than tier avg

18 of 18 Large banks match · 413 nationally

→ Stable +8 banks QoQ | QoQ rank improving

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 139 peers in $10B-$250B

Top Strengths (6 metrics)

Delinquency Rate

credit_quality

Value: 0.17%

Peer Median: 1.01%

#10 of 138 Top 6.5% in $10B-$250B

Non-Interest Income / Assets

revenue_mix

Value: 1.01%

Peer Median: 0.50%

#13 of 139 Top 8.6% in $10B-$250B

Nonperforming Asset Ratio

credit_quality

Value: 0.11%

Peer Median: 0.73%

#14 of 139 Top 9.4% in $10B-$250B

Non-Interest-Bearing Deposit Share

funding

Value: 29.89%

Peer Median: 20.58%

#29 of 139 Top 20.1% in $10B-$250B

Loan-to-Deposit Ratio

liquidity

Value: 73.45%

Peer Median: 82.61%

#30 of 139 Top 20.9% in $10B-$250B

Tier 1 Capital Ratio

capital

Value: 15.11%

Peer Median: 15.35%

#32 of 139 Top 22.3% in $10B-$250B

Top Weaknesses (0 metrics)

No weakness rankings available