Commerce Bank

What Commerce Bank does

Commerce Bancshares, Inc. (NASDAQ: CBSH) is a publicly traded regional bank holding company founded in 1865 and headquartered in Kansas City, Missouri, operating primarily through its Commerce Bank subsidiary. The company delivers a full-service banking platform spanning personal, small business, commercial and corporate, and wealth management segments, serving individuals, families, SMBs, mid-to-large commercial clients, and high-net-worth households through 100+ branches across 11 states and dedicated digital channels. Core product lines include checking and savings accounts, credit cards, mortgages, SBA lending, equipment financing (CBI Equipment Finance), commercial lending, treasury management, capital markets, merchant services (Clover POS, CommercePayments AP Card), private banking (FineMark Bank & Trust), and trust and wealth management (CommerceTrust).

The technology stack is anchored by a Temenos core banking platform powering a multi-year modernization initiative, with a mobile app featuring mobile check deposit, Zelle, bill pay, alerts, and the proprietary Commerce Bank CONNECT messaging service that links customers directly to their chosen bankers. The bank has invested in employee resource groups, community financial education programs (My Milestones), and digital content (Trends & Insights business blog, Ideas & Tips personal finance blog) as relationship-driven engagement layers.

Commerce Bank generates revenue primarily through net interest income from lending and securities, supplemented by subscription-like trust and wealth management fees (up 26% YoY in Q1 2026), and transaction-based non-interest income from credit cards, merchant services, and service charges. GTM is sales-led and relationship-based, combining physical branches, dedicated commercial banking offices, wealth management advisors, and 24/7 digital and phone banking. The bank serves roughly 1,001-5,000 employees and reported $35.7B in assets and $90B in assets under administration as of early 2026 following the FineMark acquisition.

Name

Commerce Bank

Legal name

Commerce Bancshares, Inc.

Website

https://commercebank.com

Company type

Public

Founded year

1865

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

Commerce Bancshares (NASDAQ: CBSH) is a 160-year-old Kansas City-based regional bank holding company operating 100+ branches across 11 states, providing personal, small business, commercial, and wealth management banking services to consumers, businesses, and high-net-worth clients.

Ownership category

akta.pro rank

Product category

Retail Banking

NAICS

Commercial Banking (522110), Depository Credit Intermediation (5221)

SIC

National Commercial Banks (6021), State Commercial Banks (6022)

akta.pro primary industry

Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA)

akta.pro secondary industries

Digital Retail Banking (Online & Mobile) (FSABAAAF), Small Business Banking (Microbusiness/Sole Proprietor) (FSABAAAI), Retail Lending (Personal Loans, Auto, Credit Lines) (FSABAAAB), Bank-Affiliated Retail Wealth Management (FSAAAAAB)

Keywords

• Retail banking services
• Commercial lending solutions
• Wealth management services
• Merchant payment processing
• Equipment financing loans

Headquarters

HQ city

Kansas City

HQ country

United States

HQ region

North America

Offices6 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales

Revenue model

1. Net Interest Income: Interest income from loans and securities minus interest paid on deposits. Primary revenue driver for the regional bank, generated through lending activities across consumer, commercial, and wealth management portfolios.
2. Trust and Wealth Management Fees: Fee-based revenue from private banking, wealth management, and trust services. Trust fees grew 26% YoY in Q1 2026 driven by FineMark acquisition and expansion of wealth management business.
3. Non-Interest Income: Fee income from credit cards, merchant services, service charges, and other fee-based banking products. Q4 2025 saw 6.9% YoY growth in non-interest income.
4. Merchant Services: Payment processing and merchant services including Clover POS solutions, PCI compliance support, and virtual card payments for businesses.

Pricing tiers

Go-to-market motion2 records

Distribution channels7 records

Marketing channels6 records

Core offering

Commerce Bank is a regional commercial bank providing personal banking, small business and commercial banking, equipment financing, merchant services, and wealth management products. It distributes these services through 100+ full-service branches, ATMs, dedicated commercial banking offices, and digital (online and mobile) banking channels across the Midwest and select Southeastern/Southwestern states. Following its January 2026 acquisition of FineMark Holdings, the bank also offers private banking and trust services through the FineMark Bank & Trust division.

Differentiator

Problem solved

Functional benefit

Brands

• Commerce Bank CONNECT®: Mobile messaging service within the Commerce Bank Mobile App that allows customers to interact directly with a chosen banker for personalized financial guidance.
• CBI Equipment Finance
• CommercePayments® AP Card
• CommerceTrust

Products and services

• Personal Checking and Savings Accounts
• Mortgages and Home Loans
• Personal Loans and Vehicle Loans
• Credit Cards
• Student Loans
• Business Checking and Deposit Accounts
• Commercial Lending and Treasury Management
• SBA Loan Programs
• Equipment Financing (CBI Equipment Finance)
• Merchant Services and Clover POS
• CommercePayments AP Card
• PreferPay B2C Payments
• CommerceTrust Wealth Management
• FineMark Bank & Trust (Private Banking)
• Municipal Bond Underwriting (L.J. Hart & Company)
• Brokerage Account Services
• Health Services Financing and Health Payment Plan
• Commerce Bank Mobile App and Online Banking

Quantifiable outcome

• Non-accrual loans at just 0.05% of total loans indicating exceptional credit quality
• +2 more outcomes

Named customers7 records

Segments6 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Four partnerships are on record, tiered core.

• TemenoscoreTechnology or IntegrationTemenos provides core banking technology powering Commerce Bank's core banking modernization. The partnership enables cloud-based, modular banking solutions supporting the bank's digital transformation initiatives.
• Veterans Community Project (VCP)coreOthersPartnership through Commerce Bank's SALUTE employee resource group supporting homeless veterans. Activities include volunteering, landscaping, painting, and teaching personal finance through the My Milestones curriculum. Commerce donated $5,000 to VCP and distributes challenge coins to veteran customers.
• Clover (Point-of-Sale)coreTechnology or IntegrationCommerce Bank offers Clover point-of-sale solutions for merchants, providing payment processing, inventory management, and business analytics. The partnership supports PCI compliance and secure card payment processing.
• SBA (Small Business Administration)coreStrategic or Co-development PartnerCommerce Bank is an SBA Preferred Lender offering SBA 7(a) and SBA 504 loan programs for small business acquisitions, startups, and growth capital.

Scale indicators10 records

Recent moves7 records

Expansion highlights6 records

Direct peers

• Glacier Bancorp: Glacier Bancorp is a community bank holding company operating multiple charters across the Western US. Similar conservative credit culture, dividend track record, and community-banking-plus-specialty-lending model to Commerce's structure.
• UMB Financial Corporation: UMB Financial is a Kansas City-headquartered bank holding company with a comparable mix of commercial banking, asset management, and institutional services. Direct head-to-head competitor in the same Kansas City metro and broader Midwest markets, with similar emphasis on fee-based businesses.
• Wintrust Financial Corporation: Wintrust is a Chicago-area regional bank with similar community-banking-plus-wealth-management model and similar scale. Operates multiple community bank charters with specialty lending (equipment, mortgage, wealth), directly comparable to Commerce's structure.
• Cullen/Frost Bankers (Frost Bank): Frost Bank is a Texas-based regional bank of similar size with strong commercial banking, wealth management, and relationship-banking model. Comparable to Commerce in its emphasis on premium service, branch-led growth, and conservative credit culture.
• Pinnacle Financial Partners: Pinnacle is a Tennessee-based regional bank focused on commercial banking and wealth management with a relationship-banking model similar to Commerce. Comparable scale and emphasis on premium service to commercial clients.
• Webster Financial Corporation: Webster Financial is a regional bank with commercial banking and a sizable wealth management franchise (HSA Bank). Similar scale and business mix to Commerce Bank, with comparable mix of commercial lending and fee-based businesses.
• First Horizon Corporation: First Horizon is a Memphis-based regional bank with similar asset size and a comparable mix of commercial, consumer, and wealth management. Competes for similar relationship-banking clients in overlapping geographies and industries.
• Cadence Bank: Cadence Bank is a regional commercial bank with business banking, commercial lending, and wealth management services. Similar asset size and commercial banking focus to Commerce, with overlapping presence in Texas and the South.
• BOK Financial Corporation: BOK Financial is a Tulsa-based regional bank with commercial banking, energy lending, and wealth management. Commerce Bank has direct branch overlap in Tulsa and competes for similar commercial and energy-sector clients across the Southern Plains.
• Zions Bancorporation: Zions is a multi-state regional bank holding company of similar asset size with commercial banking, wealth management, and SBA lending. Comparable in structure, regulatory profile, and approach to mid-market commercial clients.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• Xx.com/CommerceBank
• YouTubeyoutube.com/@commercebank
• Facebookfacebook.com/commercebank
• LinkedInlinkedin.com/company/commerce_bank
• Instagraminstagram.com/commercebank

Revenue estimate

Valuation estimate

Number of profiles

Profiles13 records

Subsidiaries3 records

Funding overview

Funding rounds1 record

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A3 records

Investments2 records

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Commerce Bank