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1000 Walnut Street
Kansas City, MO 64106

Commerce Bank is headquartered in Kansas City and is the largest bank in the state of Missouri. It is also the 61st largest bank in the nation. It was established in 1984 and as of March of 2014, it had grown to 4,713 employees at 200 locations. Commerce Bank has a A health rating.

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Reviews (4)


I started my account in 2008 and started out great but within the past 12 months things have been quit the opposite, Commerce could stand to have more business educated employees with a good attitude behind them and accuracy as well. I have found them to try to be SNEAKY with account funds and online banking is  a joke. Deposits are not made in a appropriate time frame as well as withdrawls. One employee does not know what the other is doing with anything, if there is any fraud with a account they will protect the crook and you won't see your money that was illegally taken... They use to have a(n) older group of employees and bank manager that was awsome but they down graded to the young and thoughtless group (to save on pay) If you are looking to open an account shop around!

Outrageous Fees

This is my fault, but I overdrew on my account.  Because I use my debit card for everything, I had thirteen transactions all overdrawn but I only went over sixty dollars.  For the thirteen transactions, I was charged $450 dollars.  Furthermore, my account was only negative for two days.  I contacted customer service about how upset I was and told them that I was going to close my account.  They replied back with instructions on how to close the account.

No Customer Service

this was a good bank at one time.....absolutely no cusomer are not even allowed to call your branch bank

Auto Loan Automatic Withdrawel

bought a new car and used commerce bank in KC Mo,because the rate was lower than local bank we use,after a couple of payments the wife said it would be better to use auto payment.Made the Jan payment by mail.Had the local bank that I use set up auto payment on jan 23 for the FEB and on payments.On sat 2 MAR got overdue note for feb and mar(DUE DATE 12th OF the month).Called commerce soon as I got the notice,Woman didn't have anything showing auto payment and wouldn't let me talk to anyone else.Monday the 4th went to my bank to see what was wrong.My banker called commerce and come to find out the paperwork had been on the persons desk since 23 JAN that recieved it.THE SOLUTION BY COMMERCE BANK OF KC WAS TO MAKE AN E-PAYMENT FOR THE FEB AND MAR PAYMENTS AND THEY WOULDN'T CHARGE ME THE LATE PAYMENT FEE,TODAY IS THE 4th not the 12th which is the payment date.Will probably have my bank pay off commerce even though it will cost me more.Glad my banker keeps logs.HOPE COMMERCE GIVES ME A LATE PAYMENT TO THE CREDIT BUREAU,AS MOST LAWYERS WILL JUMP ON THIS.


Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Commerce Bank had $71.5 million in non-current loans and owned real-estate with $2.15 billion in equity and loan loss allowances on hand to cover it. This gives Commerce Bank a Texas Ratio of 3.32% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Commerce Bank experienced no significant changes from 3.60% as of March 31, 2013 to 3.32% as of March 31, 2014, resulting in a positive change of 7.61%.This indicates that the balance sheet and financial strength for Commerce Bank has had no significant changes in recent periods.

Deposit Growth


In the past year, Commerce Bank has increased its total deposits by $723.87 million, resulting in 3.91% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Commerce Bank has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Commerce Bank has $22.69 billion in assets with $2.15 billion in equity, resulting in a capitalization level of 9.48%, which is average.

Institution Statistics

FDIC Certificate #24998
Year Established1984
Primary RegulatorFED
Assets and Liabilities
Assets$22.69 billion
Loans$11.06 billion
Deposits$19.24 billion
Equity Capital$1.99 billion
Loan Loss Allowance$161.53 million
Unbacked Noncurrent Loans$58.34 million
Real Estate Owned$13.16 million
Historic Data - March 2013
Assets$22.08 billion
Equity Capital$1.98 billion
Loan Loss Allowance$168.03 million
Unbacked Noncurrent Loans$58.34 million
Real Estate Owned$19.37 million
Profit Margin - Quarterly
Return on Assets0.97%
Return on Equity11.21%
Interest Income$159.31 million

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Commerce Bank Savings Account Rates

0.03%$100-myRewards Savings
0.03%$100-Personal Savings

Commerce Bank Money Market Rates

0.20%$100k-CommerceOptions Premium Money Market Account
0.15%$250-Money Market IRA
0.10%$50k-Premium Money Market Account
0.03%$100-Personal Investment Savings
0.03%$100-myRewards Money Market

Commerce Bank Checking Account Rates

0.06%$100-CommerceOptions Premium Checking
0.06%$100-CommerceOptions Plus
0.02%$100-Personal Interest Checking

Commerce Bank CD Rates

0.45%$1k-5 Year CD
0.40%$1k-4 Year CD
0.35%$1k-3 Year CD
0.30%$1k-2 Year CD
0.25%$1k-1 Year CD
0.10%$2,500-6 Month CD
0.05%$2,500-3 Month CD

Commerce Bank has 201 locations. Click to view all Commerce Bank locations.