BlastPoint's Banking Scorecard
Commerce Bank
Large
Specialty: Commercial
MO
FDIC cert 24998
Kansas City, MO
69
banks in Large tier nationally
2 in MO
View Large leaderboard (MO) →
Commerce Bank demonstrates 4 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 18% in Large
- + Revenue Diversifier: Top 25% in Large
- + Delinquency Rate 0.65% below tier
- + Non-Interest-Bearing Deposit Share 12.81% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$32.7B
+2.9% YoY
+2.0% QoQ
|
-$42.1B |
$74.9B
-4.4% YoY
|
$1.5B
+13.3% YoY
|
$5.9B
+6.5% YoY
|
28% |
| Total Loans ? |
$17.6B
+3.1% YoY
-0.1% QoQ
|
-$28.8B |
$46.4B
-2.1% YoY
|
$962.2M
+12.2% YoY
|
$3.1B
+8.5% YoY
|
Bottom 12% in tier |
| Total Deposits ? |
$25.9B
+1.0% YoY
+0.4% QoQ
|
-$34.5B |
$60.5B
-4.5% YoY
|
$1.3B
+12.4% YoY
|
$4.7B
+6.3% YoY
|
26% |
| Return on Assets ? |
1.74%
+42.8% YoY
-0.8% QoQ
|
+0.55% |
1.19%
+17.8% YoY
|
1.34%
+11.8% YoY
|
1.12%
+15.6% YoY
|
Top 12% in tier |
| Net Interest Margin ? |
3.66%
+3.4% YoY
+0.3% QoQ
|
+0.20% |
3.46%
+13.1% YoY
|
3.96%
+8.2% YoY
|
3.75%
+7.1% YoY
|
67% |
| Efficiency Ratio ? |
54.68%
-3.0% YoY
+0.1% QoQ
|
-0.35% |
55.03%
-2.8% YoY
|
60.96%
-4.9% YoY
|
65.09%
-5.1% YoY
|
58% |
| Delinquency Rate ? |
0.23%
-8.4% YoY
+7.0% QoQ
|
-0.65% |
0.88%
-0.3% YoY
|
0.68%
+40.2% YoY
|
0.66%
+20.3% YoY
|
Top 7% in tier |
| Loan-to-Deposit Ratio ? |
67.84%
+2.1% YoY
-0.5% QoQ
|
-13.88% |
81.72%
+3.9% YoY
|
81.02%
+1.1% YoY
|
78.04%
+0.7% YoY
|
21% |
| Non-Interest-Bearing Deposit Share ? |
32.79%
-1.4% YoY
+7.7% QoQ
|
+12.81% |
19.97%
+0.5% YoY
|
21.00%
+0.9% YoY
|
21.79%
-1.3% YoY
|
Top 7% in tier |
| Nonperforming Asset Ratio ? |
0.13%
-6.7% YoY
+5.7% QoQ
|
-0.42% |
0.55%
+9.0% YoY
|
0.56%
+46.7% YoY
|
0.48%
+20.8% YoY
|
Top 10% in tier |
| Tier 1 Capital Ratio ? |
15.32%
+7.9% YoY
+1.7% QoQ
|
+1.99% |
13.33%
-0.7% YoY
|
8.09%
-3.5% YoY
|
9.75%
-1.9% YoY
|
79% |
| Non-Interest Income / Assets ? |
1.95%
+2.9% YoY
+31.7% QoQ
|
+0.86% |
1.09%
+2.4% YoY
|
0.63%
+2.3% YoY
|
0.65%
+0.6% YoY
|
Top 7% in tier |
Signature Analysis
Strengths (4)
Profitability Leader
growth
#4 of 18 · Top 18% in Large
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
1.74%
(Tier: 1.19%, National: 1.12%)
18 of 18 Large banks match
·
444 nationally
→ Stable
+5 banks QoQ
Revenue Diversifier
growth
#5 of 17 · Top 25% in Large
Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Why this signature
Noninterest Income / Assets:
1.95%
(Tier: 1.09%, National: 0.65%)
Return on Assets:
1.74%
(Tier: 1.19%, National: 1.12%)
17 of 17 Large banks match
·
441 nationally
→ Stable
+4 banks QoQ
Delinquency Rate
metric
Top 7%
in Large
Why this stands out
Current:
0.23%
(Tier avg: 0.88%, National avg: 0.66%)
Non-Interest-Bearing Deposit Share
metric
Top 7%
in Large
Why this stands out
Current:
32.79%
(Tier avg: 19.97%, National avg: 21.79%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
93
93th pctile
Delinquency Rate
Current: 0.23% · Tier avg: 0.88%
93
93th pctile
Non-Interest-Bearing Deposit Share
Current: 32.79% · Tier avg: 19.97%
93
93th pctile
Non-Interest Income / Assets
Current: 1.95% · Tier avg: 1.09%
90
90th pctile
Nonperforming Asset Ratio
Current: 0.13% · Tier avg: 0.55%
88
88th pctile
Return on Assets
Current: 1.74% · Tier avg: 1.19%
79
79th pctile
Tier 1 Capital Ratio
Current: 15.32% · Tier avg: 13.33%
67
67th pctile
Net Interest Margin
Current: 3.66% · Tier avg: 3.46%
58
58th pctile
Efficiency Ratio
Current: 54.68% · Tier avg: 55.03%
28
28th pctile
Total Assets
Current: $32.7B · Tier avg: $74.9B
26
26th pctile
Total Deposits
Current: $25.9B · Tier avg: $60.5B
21
21th pctile
Loan-to-Deposit Ratio
Current: 67.84% · Tier avg: 81.72%
12
12th pctile
Total Loans
Current: $17.6B · Tier avg: $46.4B
Top Weaknesses
12
12th pctile
Total Loans
Current: $17.6B · Tier avg: $46.4B
21
21th pctile
Loan-to-Deposit Ratio
Current: 67.84% · Tier avg: 81.72%
26
26th pctile
Total Deposits
Current: $25.9B · Tier avg: $60.5B
28
28th pctile
Total Assets
Current: $32.7B · Tier avg: $74.9B
58
58th pctile
Efficiency Ratio
Current: 54.68% · Tier avg: 55.03%
67
67th pctile
Net Interest Margin
Current: 3.66% · Tier avg: 3.46%
79
79th pctile
Tier 1 Capital Ratio
Current: 15.32% · Tier avg: 13.33%
88
88th pctile
Return on Assets
Current: 1.74% · Tier avg: 1.19%
90
90th pctile
Nonperforming Asset Ratio
Current: 0.13% · Tier avg: 0.55%
93
93th pctile
Non-Interest Income / Assets
Current: 1.95% · Tier avg: 1.09%
93
93th pctile
Non-Interest-Bearing Deposit Share
Current: 32.79% · Tier avg: 19.97%
93
93th pctile
Delinquency Rate
Current: 0.23% · Tier avg: 0.88%