Commerce Bank (FDIC #24998): Bank Stress & Real-Estate Credit Exposure

Commerce Bank (FDIC Cert #24998): bank stress 62/100, elevated, STABLE over 7 days; parent COMMERCE BANCSHARES INC.

Commerce Bank (#24998) lends in 52 counties across 9 states; Commerce Bank (#24998) reaches 1,367 ZIP codes: Missouri 23 counties, 425 ZIPs; Kansas 12 counties, 212 ZIPs; Illinois 6 counties, 136 ZIPs; Florida 3 counties, 111 ZIPs; Colorado 3 counties, 84 ZIPs; Oklahoma 2 counties, 98 ZIPs.

Commerce Bank (#24998) largest markets: Harris County, TX (143 branches, 143 ZIPs) (#24998), Maricopa County, AZ (280 branches, 140 ZIPs) (#24998), Jackson County, MO (928 branches, 58 ZIPs) (#24998), Oklahoma County, OK (55 branches, 55 ZIPs) (#24998), Palm Beach County, FL (53 branches, 53 ZIPs) (#24998), Sedgwick County, KS (364 branches, 52 ZIPs) (#24998).

Commerce Bank (#24998) reports $35.02 billion in total assets; Commerce Bank (#24998) equity $3.86 billion (11.0% of Commerce Bank (#24998) assets); Commerce Bank (#24998) domestic deposits $28.10 billion; Commerce Bank (#24998) net income $215.3 million; Commerce Bank (#24998) return on assets 1.25%; Commerce Bank (#24998) return on equity 11.77%; Commerce Bank (#24998) net interest income $608.6 million; Commerce Bank (#24998) call report June 30, 2026.

Commerce Bank (#24998) noncurrent real-estate loans 0.11% of its book; Commerce Bank (#24998) residential 0.31%; Commerce Bank (#24998) net charge-offs on real estate 0.22%; Commerce Bank (#24998) residential charge-offs 0.27%.

Commerce Bank (#24998) net interest margin 3.80% against an eight-quarter Commerce Bank (#24998) average of 3.64% (Commerce Bank (#24998) compression -0.17 points); Commerce Bank (#24998) real-estate loans 11.3% of equity; Commerce Bank (#24998) non-residential real estate 26.9% of equity; Commerce Bank (#24998) rate-exposure score 40/100, Commerce Bank (#24998) fixed-rate trap 40/100; Commerce Bank (#24998) risk type credit driven; Commerce Bank (#24998) rate regime rates elevated, Commerce Bank (#24998) snapshot October 20, 2026.

Commerce Bank (#24998) stress score moved from 55.2 on June 22, 2026 to 61.9 on October 20, 2026; Commerce Bank (#24998) ranged 55.2 to 61.9 over 117 snapshots.

Commerce Bank (#24998) alerts: 38 counties; top Commerce Bank (#24998) alert scores: Lawrence County, MO 39 (moderate); Jackson County, MO 34 (low); Ozark County, MO 27 (low); Aurora County, MO 20 (low); Bolivar County, MO 20 (low).