Commerce Bank: how it compares with its peers
Against 74 U.S. banks with half to twice its assets, Commerce Bank's strongest measure in Q2 2026 is net interest margin (3.80% vs. a 3.61% peer median). Its weakest relative measure is assets per employee ($7.3M vs. $12.4M).
| Measure | Commerce Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.25% | 1.25% | Middle third Ahead of 51% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.80% | 3.61% | Middle third Ahead of 64% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 58.89% | 53.38% | Bottom third Ahead of 23% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.3M | $12.4M | Bottom third Ahead of 4% of peers |
| Loans to deposits Net loans and leases over total deposits. | 73.45% | 86.36% | Context |
What it means for lending operations
Its efficiency ratio of 58.89% is above the 53.38% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Banc of California Los Angeles, CA · $34.90B
- BankUnited, National Association Miami Lakes, FL · $34.86B
- First National Bank of Omaha Omaha, NE · $34.20B
- Hancock Whitney Bank Gulfport, MS · $36.33B
- United Bank Fairfax, VA · $33.64B
- Texas Capital Bank Dallas, TX · $33.62B
Questions about Commerce Bank
How big is Commerce Bank?
Commerce Bank, established in 1984, is headquartered in Kansas City, MO. It reported $35.02B in total assets in its Q2 2026 FDIC call report and operates 153 offices.
What is Commerce Bank's return on assets?
1.25% annualized in Q2 2026, against a 1.25% median for 74 U.S. banks with half to twice its assets, ahead of 51% of them.
What is Commerce Bank's efficiency ratio?
58.89% in Q2 2026: it spent about 59 cents in noninterest expense for each dollar of revenue. The peer median is 53.38%, and lower is better.
Is Commerce Bank growing its loans?
Net loans grew 17.9% over the year to Q2 2026, while deposits grew 8.7%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are U.S. banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Missouri bank ranked.