Commerce Bank Mortgage Rates, Fees & Info

Kansas City, MO

LEI: 7DMUJTL9FFTVIAG9H788

Tax ID: 48-0962626

5 stars - out of 5 stars, based on 77 reviews

2021 Data | 2020 Data | 2019 Data | 2018 Data


Overview

Commerce Bank is a small bank specializing in Home Purchase and Refi loans. Commerce Bank has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) They have a low ratio of USDA loans. Their top markets include Kansas City, St. Louis, Denver, Springfield, and Nashville among others. Commerce Bank has an average approval rate for mortages when compared nationally. They have a below average pick rate when compared to the same sample of other lendors. Commerce Bank is typically a low fee lendor.


Originations

5,903

Origination Dollar Volume (All Markets)

$1,527,285,000

Employee count

4,373 Show all (14) awards

Relative Rate

Commerce Bank's average 30 year fixed rate mortgage of loans were 3.21%.

The 2021 average 30 year fixed rate mortgage across all markets of loans were 3.15%.

This yields a difference of 0.06%.

Relative Fees

Commerce Bank's average total fees for a 30 year fixed rate mortgage are $2,999.

The average total origination fees for 30 year fixed rate mortgages (for all loan values, including both points & up-front fees in addition to origination fees) are $4,750.

Top Markets

Market Originations Total Value Average Loan Average Fees Average Rate
KANSAS CITY, MO-KS (FHA|USDA|VA) 2,027 $432,035,000 $213,140 $1,916 3.25%
ST. LOUIS, MO-IL (FHA|USDA|VA) 1,484 $288,650,000 $194,508 $1,968 3.36%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 332 $167,140,000 $503,434 $3,076 3.26%
SPRINGFIELD, MO (FHA|USDA|VA) 298 $45,900,000 $154,027 $1,991 3.47%
Outside of Metro Areas 174 $45,800,000 $263,218 $2,588 3.30%
NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN (FHA|USDA|VA) 18 $40,200,000 $2,233,333 $4,933 3.03%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 58 $35,810,000 $617,414 $3,942 2.80%
WICHITA, KS (FHA|USDA|VA) 154 $35,330,000 $229,416 $2,314 3.26%
COLUMBIA, MO (FHA|USDA|VA) 142 $27,100,000 $190,845 $2,113 3.19%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 3 $21,625,000 $7,208,333 $2,978 2.99%
ST. JOSEPH, MO-KS (FHA|USDA|VA) 128 $17,010,000 $132,891 $1,962 3.53%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 18 $16,360,000 $908,889 $7,801 2.79%
Edwards, CO (FHA|USDA|VA) 9 $14,885,000 $1,653,889 $4,856 2.97%
JOPLIN, MO (FHA|USDA|VA) 66 $14,560,000 $220,606 $1,864 3.49%
TULSA, OK (FHA|USDA|VA) 39 $13,925,000 $357,051 $4,298 3.09%
MANHATTAN, KS (FHA|USDA|VA) 55 $12,865,000 $233,909 $2,321 3.21%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 16 $12,520,000 $782,500 $5,223 2.83%
PEORIA, IL (FHA|USDA|VA) 79 $12,075,000 $152,848 $1,821 3.47%
BOULDER, CO (FHA|USDA|VA) 15 $11,735,000 $782,333 $3,388 2.97%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 12 $11,320,000 $943,333 $6,567 2.65%
CAPE GIRARDEAU, MO-IL (FHA|USDA|VA) 60 $10,840,000 $180,667 $2,301 3.49%
LAWRENCE, KS (FHA|USDA|VA) 59 $10,395,000 $176,186 $1,899 3.45%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 13 $9,975,000 $767,308 $7,106 2.87%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 16 $9,920,000 $620,000 $8,053 2.83%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 16 $9,190,000 $574,375 $4,102 2.80%
FORT COLLINS, CO (FHA|USDA|VA) 17 $9,085,000 $534,412 $4,422 2.88%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 12 $8,340,000 $695,000 $5,715 2.88%
BLOOMINGTON, IL (FHA|USDA|VA) 64 $8,230,000 $128,594 $1,735 3.43%
JEFFERSON CITY, MO (FHA|USDA|VA) 48 $7,420,000 $154,583 $2,159 3.38%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 9 $7,155,000 $795,000 $7,072 2.63%
OKLAHOMA CITY, OK (FHA|USDA|VA) 17 $6,815,000 $400,882 $3,932 3.10%
Breckenridge, CO (FHA|USDA|VA) 10 $6,580,000 $658,000 $2,944 2.74%
COLORADO SPRINGS, CO (FHA|USDA|VA) 11 $6,065,000 $551,364 $5,004 2.86%
DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 3 $5,505,000 $1,835,000 $4,788 2.86%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 5 $5,015,000 $1,003,000 $5,221 2.80%
Pittsburg, KS (FHA|USDA|VA) 34 $4,670,000 $137,353 $2,202 3.70%
Mexico, MO (FHA|USDA|VA) 34 $4,320,000 $127,059 $2,010 3.91%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 6 $3,580,000 $596,667 $5,314 2.92%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 4 $3,580,000 $895,000 $8,466 2.87%
Hannibal, MO (FHA|USDA|VA) 21 $3,295,000 $156,905 $1,704 3.39%
Branson, MO (FHA|USDA|VA) 16 $3,170,000 $198,125 $2,208 3.59%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 8 $3,100,000 $387,500 $5,628 3.39%
Lebanon, MO (FHA|USDA|VA) 22 $3,070,000 $139,545 $1,431 3.71%
Steamboat Springs, CO (FHA|USDA|VA) 5 $3,005,000 $601,000 $4,333 2.95%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 5 $2,925,000 $585,000 $5,102 2.86%
Glenwood Springs, CO (FHA|USDA|VA) 5 $2,655,000 $531,000 $2,457 2.92%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 4 $2,640,000 $660,000 $4,671 3.13%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 2 $2,630,000 $1,315,000 $3,355 2.94%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 5 $2,605,000 $521,000 $4,192 3.03%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 3 $2,575,000 $858,333 $6,034 2.71%
GREELEY, CO (FHA|USDA|VA) 7 $2,495,000 $356,429 $4,033 3.39%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 2 $2,480,000 $1,240,000 $7,442 2.81%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 1 $2,285,000 $2,285,000 $9,905 3.00%
Key West, FL (FHA|USDA|VA) 1 $2,245,000 $2,245,000 $14,333 2.88%
Moberly, MO (FHA|USDA|VA) 20 $2,220,000 $111,000 $1,810 3.93%
Garden City, KS (FHA|USDA|VA) 13 $2,205,000 $169,615 $2,268 3.28%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 2 $2,200,000 $1,100,000 $3,525 2.93%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 4 $2,090,000 $522,500 $6,124 3.41%
Heber, UT (FHA|USDA|VA) 2 $1,850,000 $925,000 $5,655 2.62%
Poplar Bluff, MO (FHA|USDA|VA) 6 $1,770,000 $295,000 $1,605 3.82%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 2 $1,690,000 $845,000 $3,633 3.00%
Warrensburg, MO (FHA|USDA|VA) 8 $1,600,000 $200,000 $2,468 3.12%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 2 $1,600,000 $800,000 $5,236 3.00%
Concord, NH (FHA|USDA|VA) 1 $1,505,000 $1,505,000 $5,574 2.75%
Ottawa, KS (FHA|USDA|VA) 6 $1,500,000 $250,000 $2,000 3.02%
TOPEKA, KS (FHA|USDA|VA) 11 $1,445,000 $131,364 $2,574 3.61%
KNOXVILLE, TN (FHA|USDA|VA) 2 $1,410,000 $705,000 $5,521 2.75%
Fredericksburg, TX (FHA|USDA|VA) 1 $1,385,000 $1,385,000 $10,885 2.88%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 2 $1,330,000 $665,000 $5,690 2.75%
BILLINGS, MT (FHA|USDA|VA) 1 $1,325,000 $1,325,000 $4,508 3.13%
PROVO-OREM, UT (FHA|USDA|VA) 2 $1,260,000 $630,000 $6,562 2.81%
PUNTA GORDA, FL (FHA|USDA|VA) 2 $1,250,000 $625,000 $4,074 2.50%
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 2 $1,160,000 $580,000 $2,514 2.19%
Hays, KS (FHA|USDA|VA) 7 $1,135,000 $162,143 $2,622 3.65%
CHAMPAIGN-URBANA, IL (FHA|USDA|VA) 11 $1,085,000 $98,636 $1,540 3.40%
Farmington, MO (FHA|USDA|VA) 6 $1,080,000 $180,000 $887 3.16%
KILLEEN-TEMPLE, TX (FHA|USDA|VA) 2 $1,060,000 $530,000 $6,333 2.69%
BRUNSWICK, GA (FHA|USDA|VA) 1 $1,005,000 $1,005,000 $7,757 2.75%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 1 $1,005,000 $1,005,000 $0 3.45%
ANCHORAGE, AK (FHA|USDA|VA) 1 $1,005,000 $1,005,000 $7,513 3.00%
Cullowhee, NC (FHA|USDA|VA) 2 $980,000 $490,000 $3,063 2.50%
Hutchinson, KS (FHA|USDA|VA) 10 $930,000 $93,000 $1,785 3.88%
Sikeston, MO (FHA|USDA|VA) 7 $895,000 $127,857 $2,060 3.61%
LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 1 $835,000 $835,000 $4,045 3.13%
TUCSON, AZ (FHA|USDA|VA) 3 $825,000 $275,000 $3,555 2.96%
Georgetown, SC (FHA|USDA|VA) 1 $805,000 $805,000 $5,397 2.88%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 1 $795,000 $795,000 $4,189 2.38%
DULUTH, MN-WI (FHA|USDA|VA) 1 $765,000 $765,000 $4,685 2.38%
MADISON, WI (FHA|USDA|VA) 2 $760,000 $380,000 $3,384 2.75%
Montrose, CO (FHA|USDA|VA) 1 $755,000 $755,000 $3,120 3.13%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 1 $755,000 $755,000 $3,447 2.75%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 1 $755,000 $755,000 $5,254 3.13%
LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 1 $745,000 $745,000 $4,544 3.38%
Durango, CO (FHA|USDA|VA) 1 $735,000 $735,000 $6,844 2.75%
NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 2 $710,000 $355,000 $4,232 2.81%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 2 $710,000 $355,000 $3,574 2.94%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 1 $685,000 $685,000 $4,519 3.13%
CaƱon City, CO (FHA|USDA|VA) 2 $680,000 $340,000 $5,265 2.94%
Tullahoma-Manchester, TN (FHA|USDA|VA) 1 $675,000 $675,000 $5,314 2.38%
FORT SMITH, AR-OK (FHA|USDA|VA) 1 $665,000 $665,000 $4,961 3.13%
NILES, MI (FHA|USDA|VA) 1 $655,000 $655,000 $6,271 3.00%
LUBBOCK, TX (FHA|USDA|VA) 1 $615,000 $615,000 $6,063 2.88%
ST. CLOUD, MN (FHA|USDA|VA) 1 $615,000 $615,000 $3,757 2.88%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 1 $605,000 $605,000 $4,194 3.00%
Faribault-Northfield, MN (FHA|USDA|VA) 1 $595,000 $595,000 $3,902 3.50%
SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 1 $565,000 $565,000 $3,310 2.88%
Brevard, NC (FHA|USDA|VA) 1 $555,000 $555,000 $5,487 2.88%
WORCESTER, MA-CT (FHA|USDA|VA) 1 $555,000 $555,000 $3,629 3.00%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 1 $545,000 $545,000 $8,757 2.88%
CORPUS CHRISTI, TX (FHA|USDA|VA) 1 $545,000 $545,000 $6,771 3.00%
MANCHESTER-NASHUA, NH (FHA|USDA|VA) 1 $505,000 $505,000 $3,964 2.75%
OCALA, FL (FHA|USDA|VA) 2 $500,000 $250,000 $4,730 3.62%
CARBONDALE-MARION, IL (FHA|USDA|VA) 2 $460,000 $230,000 $2,972 2.81%
PUEBLO, CO (FHA|USDA|VA) 1 $455,000 $455,000 $2,624 2.88%
MISSOULA, MT (FHA|USDA|VA) 1 $435,000 $435,000 $3,744 2.75%
DECATUR, IL (FHA|USDA|VA) 1 $425,000 $425,000 $2,497 2.38%
Quincy, IL-MO (FHA|USDA|VA) 5 $415,000 $83,000 $2,659 3.61%
Riverton, WY (FHA|USDA|VA) 1 $415,000 $415,000 $2,243 2.88%
BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) 1 $405,000 $405,000 $3,059 2.38%
MONTGOMERY, AL (FHA|USDA|VA) 1 $365,000 $365,000 $3,719 2.13%
Murray, KY (FHA|USDA|VA) 1 $355,000 $355,000 $2,554 2.13%
Harrison, AR (FHA|USDA|VA) 1 $355,000 $355,000 $2,895 2.38%
Atchison, KS (FHA|USDA|VA) 2 $350,000 $175,000 $2,559 2.62%
Whitewater, WI (FHA|USDA|VA) 1 $335,000 $335,000 $2,164 2.38%
AMES, IA (FHA|USDA|VA) 1 $335,000 $335,000 $3,149 2.88%
Bozeman, MT (FHA|USDA|VA) 1 $325,000 $325,000 $0 2.50%
RENO, NV (FHA|USDA|VA) 1 $325,000 $325,000 $3,042 2.75%
BINGHAMTON, NY (FHA|USDA|VA) 1 $315,000 $315,000 $3,846 3.38%
ALBUQUERQUE, NM (FHA|USDA|VA) 1 $305,000 $305,000 $4,087 3.00%
MIDLAND, TX (FHA|USDA|VA) 1 $305,000 $305,000 $4,869 2.13%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 1 $285,000 $285,000 $7,758 3.00%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 1 $285,000 $285,000 $3,734 2.88%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 1 $285,000 $285,000 $2,781 3.00%
Ardmore, OK (FHA|USDA|VA) 1 $275,000 $275,000 $2,565 3.00%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 1 $245,000 $245,000 $2,277 3.13%
PANAMA CITY, FL (FHA|USDA|VA) 1 $245,000 $245,000 $3,845 2.88%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 1 $235,000 $235,000 $2,642 2.50%
West Plains, MO (FHA|USDA|VA) 1 $235,000 $235,000 $3,154 2.88%
LYNCHBURG, VA (FHA|USDA|VA) 1 $215,000 $215,000 $3,471 3.63%
JACKSONVILLE, FL (FHA|USDA|VA) 1 $215,000 $215,000 $6,513 3.13%
APPLETON, WI (FHA|USDA|VA) 1 $205,000 $205,000 $2,575 3.25%
RICHMOND, VA (FHA|USDA|VA) 1 $185,000 $185,000 $3,523 3.25%
ABILENE, TX (FHA|USDA|VA) 1 $175,000 $175,000 $2,795 3.50%
SAGINAW, MI (FHA|USDA|VA) 1 $165,000 $165,000 $3,084 3.25%
SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 1 $165,000 $165,000 $3,718 3.00%
KANKAKEE, IL (FHA|USDA|VA) 1 $155,000 $155,000 $1,588 4.00%
McAlester, OK (FHA|USDA|VA) 1 $155,000 $155,000 $2,129 3.38%
LINCOLN, NE (FHA|USDA|VA) 1 $155,000 $155,000 $2,426 3.00%
SPRINGFIELD, IL (FHA|USDA|VA) 2 $150,000 $75,000 $2,248 3.50%
SALISBURY, MD-DE (FHA|USDA|VA) 1 $145,000 $145,000 $4,093 3.38%
ANN ARBOR, MI (FHA|USDA|VA) 1 $145,000 $145,000 $3,045 3.38%
UTICA-ROME, NY (FHA|USDA|VA) 1 $145,000 $145,000 $3,848 2.63%
Searcy, AR (FHA|USDA|VA) 1 $135,000 $135,000 $3,569 3.13%
PORT ST. LUCIE, FL (FHA|USDA|VA) 1 $125,000 $125,000 $3,239 3.13%
Sedalia, MO (FHA|USDA|VA) 2 $120,000 $60,000 $974 4.14%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 1 $115,000 $115,000 $3,422 3.38%
Coffeyville, KS (FHA|USDA|VA) 1 $105,000 $105,000 $2,539 2.88%
GRAND JUNCTION, CO (FHA|USDA|VA) 1 $105,000 $105,000 $2,437 3.50%
LAWTON, OK (FHA|USDA|VA) 1 $85,000 $85,000 $3,659 4.13%
Kirksville, MO (FHA|USDA|VA) 1 $85,000 $85,000 $2,111 3.50%
Great Bend, KS (FHA|USDA|VA) 1 $55,000 $55,000 $0 2.99%
Lincoln, IL (FHA|USDA|VA) 1 $25,000 $25,000 $0 2.99%

Commerce Bank's top markets include Kansas City, St. Louis, Denver, Springfield, and Nashville among others.

Product Mix

Loan Type Originations Total Value Average Loan Average Fees Average Rate
Conventional 5,780 $1,506,070,000 $260,566 $2,296 3.29%
FHA 87 $14,185,000 $163,046 $4,675 3.48%
VA 23 $5,365,000 $233,261 $4,600 3.39%
USDA 13 $1,665,000 $128,077 $3,454 3.19%

For the 2021 period, Commerce Bank's most frequently originated loan type of loans were Conventional, with 5,780 originations. Their 2nd most popular type is FHA, with 87 originations.

Loan Reason

Loan Reason Originations Total Value Average Loan Average Fees Average Rate
Home Purchase 1,777 $641,475,000 $360,988 $3,064 3.20%
Refi 1,444 $405,210,000 $280,616 $2,085 3.29%
Home Improvement 1,013 $68,055,000 $67,182 $185 3.44%
Cash Out Refi 877 $304,215,000 $346,881 $2,833 3.17%
Other 792 $108,330,000 $136,780 $813 3.47%

For the 2021, Commerce Bank's most frequently cited loan purpose of loans were Home Purchase, with 1,777 originations. The 2nd most popular reason of loans were Refi, with 1,444 originations.

Loan Duration/Length

Loan Length Originations Total Value Average Loan Average Fees Average Rate
30 Year 2,458 $859,860,000 $349,821 $2,999 3.21%
10 Year 1,638 $175,510,000 $107,149 $466 3.28%
15 Year 834 $261,030,000 $312,986 $2,419 2.72%
Other 504 $82,470,000 $163,631 $0 4.34%
5 Year 227 $36,915,000 $162,621 $0 3.95%
20 Year 172 $60,770,000 $353,314 $2,658 3.05%
1 Year 58 $29,130,000 $502,241 $0 4.36%
3 Year 12 $21,600,000 $1,800,000 $0 4.52%

For the 2021, Commerce Bank's most frequently cited loan length of loans were 30 Year, with 2,458 originations. The 2nd most popular length of loans were 10 Year, with 1,638 originations.

Origination Fees

Origination Fee Originations Total Value Average Loan
$<1k 3,620 $976,970,000 $269,881
$1k-2k 440 $202,530,000 $460,295
$2k-3k 67 $19,415,000 $289,776
$5k+ 31 $15,735,000 $507,581
$3k-4k 29 $11,515,000 $397,069

$2,999 of loans were Commerce Bank's average total fees, while their most frequently occuring range of origination fees were in the $<1k bucket, with 3,620 originations.

Interest Rates

Loan Rate Originations Total Value Average Loan
2.5-3% 2,615 $752,415,000 $287,730
3-4% 1,845 $418,565,000 $226,864
4-5% 886 $88,100,000 $99,436
<2.5% 464 $232,630,000 $501,358
5-6% 88 $35,480,000 $403,182
6-7% 5 $95,000 $19,000

During 2021, Commerce Bank's average interest rate of loans were 3.21%, while their most frequently originated rate bucket of loans were 2.5-3%, with 2,615 originations.

Loan Sizing

Loan Size Originations Total Value Average Loan Average Fees Average Rate
$100,000 or less 1,990 $95,280,000 $47,879 $758 3.70%
$100k-200k 1,469 $214,385,000 $145,939 $2,334 3.33%
$200k-400k 1,381 $384,005,000 $278,063 $2,574 2.98%
$600k-1MM 466 $348,790,000 $748,476 $3,907 2.88%
$400k-600k 455 $222,465,000 $488,934 $3,060 2.92%
$1MM+ 142 $262,360,000 $1,847,606 $5,917 2.97%

2021 saw Commerce Bank place emphasis on $100,000 or less loans with 1,990 originations, totaling $95,280,000 in origination value.

Applicant Income

Applicant Income Originations Total Value Average Loan Average Fees Average Rate
$100k-150k 1,123 $218,475,000 $194,546 $2,249 3.27%
$150k-250k 1,075 $317,015,000 $294,898 $2,544 3.15%
$50k-75k 902 $113,010,000 $125,288 $1,991 3.45%
$250k+ 862 $517,270,000 $600,081 $3,424 2.90%
$50k or less 790 $69,480,000 $87,949 $1,851 3.63%
$75k-100k 760 $113,180,000 $148,921 $2,022 3.35%

Commerce Bank lent most frequently to those with incomes in the $100k-150k range, with 1,123 originations. The second most popular income band? $150k-250k, with 1,075 originations.

Applicant Debt to Income Ratio

DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
20-30% 1,645 $416,725,000 $253,328 $2,412 3.22%
30-36% 1,158 $284,050,000 $245,294 $2,340 3.28%
<20% 836 $246,030,000 $294,294 $2,434 3.14%
42% 363 $59,505,000 $163,926 $1,831 3.44%
41% 254 $52,070,000 $205,000 $1,948 3.42%
40% 222 $49,400,000 $222,523 $2,450 3.36%
36% 210 $42,550,000 $202,619 $2,196 3.35%
37% 209 $42,725,000 $204,426 $2,139 3.36%
38% 208 $50,180,000 $241,250 $2,381 3.36%
39% 207 $44,775,000 $216,304 $2,271 3.33%
44% 129 $37,765,000 $292,752 $2,747 3.20%
43% 114 $33,130,000 $290,614 $2,889 3.20%
46% 30 $8,390,000 $279,667 $2,566 3.14%
49% 27 $7,425,000 $275,000 $2,676 3.34%
48% 22 $5,200,000 $236,364 $2,917 3.30%
47% 21 $5,365,000 $255,476 $2,506 3.35%
45% 18 $5,160,000 $286,667 $3,124 3.30%
50-60% 14 $6,690,000 $477,857 $3,219 3.26%
>60% 7 $4,855,000 $693,571 $2,199 3.56%

Commerce Bank lent most frequently to those with DTI ratios of 20-30%, with 1,645 originations. The next most common DTI ratio? 30-36%, with 1,158 originations.

Ethnicity Mix

Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
White 4,547 $1,024,055,000 $225,216 $2,219 3.29%
Not provided 856 $320,600,000 $374,533 $3,002 3.15%
Not applicable 153 $112,645,000 $736,242 $0 4.02%
Black 208 $27,120,000 $130,385 $1,912 3.45%
Asian 78 $24,600,000 $315,385 $3,010 3.16%
American Indian 37 $5,545,000 $149,865 $1,741 3.67%
Asian Indian 8 $5,270,000 $658,750 $6,262 2.83%
Other Asian 6 $3,640,000 $606,667 $2,122 2.87%
Korean 2 $1,490,000 $745,000 $3,024 2.56%
Chinese 3 $1,045,000 $348,333 $8,395 2.54%
Filipino 2 $800,000 $400,000 $2,543 2.81%
1 $365,000 $365,000 $2,827 3.63%
Native Hawaiian 1 $85,000 $85,000 $2,338 4.13%
Vietnamese 1 $25,000 $25,000 $0 4.04%

Approval Rates

Total approvals of all applications
77.55%

Commerce Bank has a below average approval rate.

Pick Rate

Approvals leading to origination
74.87%

Commerce Bank has a below average pick rate.

Points and Fees

Points Originations Total Value Average Loan
NA 5,903 $1,527,285,000 $258,730

Occupancy Type Mix

Dwelling Type Originations Total Value Average Loan
5,903 $1,527,285,000 $258,730

LTV Distribution

Loan to Value Originations Total Value Average Loan Average Fees Average Rate
20-40% 815 $117,045,000 $143,613 $1,229 3.46%
40-60% 757 $253,395,000 $334,736 $2,409 3.11%
60-80% 1,692 $680,660,000 $402,281 $2,883 3.15%
80-100% 1,357 $407,815,000 $300,527 $2,906 3.19%
Over 100% 5 $2,345,000 $469,000 $7,819 3.37%
Under 20% 1,252 $58,610,000 $46,813 $48 3.61%

Complaints

Bank Name Product Issue 2021 CPFB Complaints % of Total Issues
COMMERCE BANK Conventional home mortgage Closing on a mortgage 1 33.3%
COMMERCE BANK Other type of mortgage Applying for a mortgage or refinancing an existing mortgage 1 33.3%
COMMERCE BANK FHA mortgage Applying for a mortgage or refinancing an existing mortgage 1 33.3%

Bank Details

Branches

Bank Name Branch Branch Type Deposits (000's)
Commerce Bank 11000 Shawnee Mission Pky Shawnee, KS 66203 Limited, Drive-thru $138,326
Commerce Bank 1460 South Jefferson Avenue Lebanon, MO 65536 Full Service B&M $185,227
Commerce Bank 1001 Main Street Kansas City, MO 64106 Full Service B&M $3,949,606
Commerce Bank 1001 N.W. 63rd Street Oklahoma City, OK 73116 Full Service B&M $0
Commerce Bank 10010 Watson Rd Saint Louis, MO 63126 Full Service B&M $92,893
Commerce Bank 101 E Elm St O Fallon, MO 63366 Full Service B&M $108,663
Commerce Bank 1015 W 23rd St Lawrence, KS 66046 Full Service Retail $36,055
Commerce Bank 1015 Windsor Champaign, IL 61821 Full Service B&M $47,121
Commerce Bank 10185 Gravois Affton, MO 63123 Full Service B&M $175,310
Commerce Bank 104 Broadway Normal, IL 61761 Full Service B&M $37,889
Commerce Bank 10429 Clayton Rd. Frontenac, MO 63131 Full Service B&M $158,674
Commerce Bank 1090 Schnucks Woodsmill Plz Chesterfield, MO 63017 Full Service B&M $302,632
Commerce Bank 110 N 5th St Pekin, IL 61554 Full Service B&M $0
Commerce Bank 110 Nw Barry Road Kansas City, MO 64155 Full Service B&M $234,695
Commerce Bank 1100 West Pine St Poplar Bluff, MO 63901 Limited, Drive-thru $93,451
Commerce Bank 1500 E College Ave Normal, IL 61761 Full Service B&M $107,341
Commerce Bank 1500 Wakarusa Dr Lawrence, KS 66047 Full Service B&M $98,017
Commerce Bank 15305 E Colfax Ave Aurora, CO 80011 Full Service B&M $172,301
Commerce Bank 1551 N Waterfront Pkwy Wichita, KS 67206 Full Service B&M $718,674
Commerce Bank 15910 S Murlen Rd Olathe, KS 66062 Full Service B&M $106,946
Commerce Bank 160 South Broadview St Cape Girardeau, MO 63703 Full Service B&M $74,589
Commerce Bank 1626 Pattern Dr Saint Louis, MO 63138 Full Service B&M $39,522
Commerce Bank 16303 Truman Rd Ellisville, MO 63011 Full Service B&M $117,048
Commerce Bank 16650 W 135th St Olathe, KS 66062 Full Service B&M $77,378
Commerce Bank 1695 W Jackson St Ozark, MO 65721 Full Service B&M $59,273
Commerce Bank 1699 Clarkson Rd Chesterfield, MO 63017 Full Service B&M $202,971
Commerce Bank 17601 East 24 Highway Independence, MO 64056 Full Service B&M $77,649
Commerce Bank 1800 Cape La Croix Rd Cape Girardeau, MO 63701 Full Service B&M $29,298
Commerce Bank 1804 East 20th Street Joplin, MO 64804 Limited, Drive-thru $0
Commerce Bank 1820 East 20th Street Joplin, MO 64804 Full Service B&M $505,514
Commerce Bank 1845 Fairmount St Wichita, KS 67260 Full Service B&M $7,466
Commerce Bank 18700 E 39th St Independence, MO 64055 Full Service B&M $252,566
Commerce Bank 1889 N Highway Cc Nixa, MO 65714 Full Service B&M $62,234
Commerce Bank 1900 West Loop South, Suite 1800 Houston, TX 77027 Limited, Drive-thru $13,568
Commerce Bank 1906 West 43rd Street Kansas City, KS 66103 Full Service B&M $74,452
Commerce Bank 1994 Wentzville Pkwy Wentzville, MO 63385 Full Service B&M $206,565
Commerce Bank 200 E. Fifth St. Eureka, MO 63025 Full Service B&M $54,533
Commerce Bank 2000 Bernadette Dr Columbia, MO 65203 Full Service B&M $89,724
Commerce Bank 2005 E. 21st., Suite 200 Tulsa, OK 74114 Full Service B&M $14,555
Commerce Bank 2012 Court Street Pekin, IL 61554 Full Service B&M $50,463
Commerce Bank 2025 E Jackson Blvd Jackson, MO 63755 Full Service B&M $26,640
Commerce Bank 2740 Claflin Rd Manhattan, KS 66502 Full Service B&M $75,349
Commerce Bank 2770 W Republic Rd Springfield, MO 65807 Full Service B&M $76,331
Commerce Bank 2830 S 4th Street Leavenworth, KS 66048 Full Service B&M $117,975
Commerce Bank 2900 N Highway 67 Florissant, MO 63033 Full Service B&M $85,094
Commerce Bank 2913 Highway K O Fallon, MO 63366 Full Service B&M $156,684
Commerce Bank 2915 S Noland Rd Independence, MO 64055 Full Service B&M $138,468
Commerce Bank 2946 S Clark St Mexico, MO 65265 Full Service B&M $124,557
Commerce Bank 300 N Kirkwood Rd Kirkwood, MO 63122 Full Service B&M $703,548
Commerce Bank 301 Se M 291 Hwy Lees Summit, MO 64063 Full Service B&M $272,002
Commerce Bank 3100 W Broadway Columbia, MO 65203 Full Service Retail $37,808
Commerce Bank 3134 S Grand Ave Saint Louis, MO 63118 Full Service B&M $119,588
Commerce Bank 320 Gravois Rd Fenton, MO 63026 Full Service B&M $275,046
Commerce Bank 3301 E Sunshine St Springfield, MO 65804 Full Service B&M $105,037
Commerce Bank 442 South De Mazenod Drive Belleville, IL 62223 Full Service B&M $0
Commerce Bank 4480 Broadway Quincy, IL 62305 Full Service B&M $2,249
Commerce Bank 456 N Main St Wichita, KS 67202 Full Service B&M $59,141
Commerce Bank 4700 Johnson Drive Roeland Park, KS 66205 Full Service B&M $79,170
Commerce Bank 4th And Felix Streets St. Joseph, MO 64501 Full Service B&M $139,405
Commerce Bank 500 W Main St Branson, MO 65616 Full Service Retail $46,643
Commerce Bank 501 E Broadway Columbia, MO 65201 Full Service B&M $66,073
Commerce Bank 503 N Hwy 7 Blue Springs, MO 64015 Full Service B&M $174,201
Commerce Bank 5314 South Yale, Suite 100 Tulsa, OK 74135 Full Service B&M $250,465
Commerce Bank 56 N. Euclid Saint Louis, MO 63108 Full Service B&M $534
Commerce Bank 5630 Telegraph Rd Saint Louis, MO 63129 Full Service B&M $139,651
Commerce Bank 5701 W Main St Belleville, IL 62226 Full Service B&M $189,078
Commerce Bank 5801 Nw Barry Road Kansas City, MO 64154 Full Service B&M $91,980
Commerce Bank 6655 Martway St Mission, KS 66202 Full Service Retail $0
Commerce Bank 6705 Blue Ridge Blvd Raytown, MO 64133 Full Service B&M $71,453
Commerce Bank 727 Poyntz Ave Manhattan, KS 66502 Full Service B&M $187,698
Commerce Bank 7400 N Orange Prairie Rd Peoria, IL 61615 Full Service B&M $36,782
Commerce Bank 750 Ne Woods Chapel Rd Lees Summit, MO 64064 Full Service B&M $142,067
Commerce Bank 7910 Clayton Rd Richmond Heights, MO 63117 Full Service B&M $144,969
Commerce Bank 8000 Forsyth Boulevard Clayton, MO 63105 Full Service B&M $2,814,458
Commerce Bank 8045 Big Bend Blvd Webster Groves, MO 63119 Full Service B&M $168,744
Commerce Bank 809 Sw M 150 Highway Lees Summit, MO 64082 Full Service B&M $87,134
Commerce Bank 8190 N Lindbergh Blvd Florissant, MO 63031 Full Service B&M $135,366
Commerce Bank 8200 E 171st St Belton, MO 64012 Full Service B&M $112,327
Commerce Bank 825 N Main St Hutchinson, KS 67501 Full Service B&M $80,433
Commerce Bank 8450 East Crescent Parkway, Suite 150 Englewood, CO 80111 Full Service B&M $91,892
Commerce Bank 858 Meramec Station Rd Valley Park, MO 63088 Full Service B&M $101,175
Commerce Bank 8615 N Knoxville Ave Peoria, IL 61615 Full Service B&M $104,300
Commerce Bank 8700 Monrovia St Lenexa, KS 66215 Full Service B&M $293,126
Commerce Bank 8878 W 21st St N Wichita, KS 67205 Full Service B&M $111,016
Commerce Bank 89 Main St Cassville, MO 65625 Full Service B&M $55,852
Commerce Bank 9001 State Line Rd Kansas City, MO 64114 Full Service B&M $130,685
Commerce Bank 901 E Broadway Columbia, MO 65201 Full Service B&M $68,266
Commerce Bank 901 S National Ave Springfield, MO 65804 Full Service B&M $20,701
Commerce Bank 901 South Vandeventer Avenue Saint Louis, MO 63110 Full Service B&M $51,702
Commerce Bank 901b Richardson Drive Ashland, MO 65010 Full Service B&M $0
Commerce Bank 9155 Nw 45 Hwy Parkville, MO 64152 Full Service B&M $114,410
Commerce Bank 9239 Ne Hwy 152 Kansas City, MO 64158 Full Service B&M $101,714
Commerce Bank 9501 Antioch Road Overland Park, KS 66212 Full Service B&M $70,518
Commerce Bank 1 Liberty Bell Cir Liberty, MO 64068 Full Service B&M $143,664
Commerce Bank 1 S Engelwood Dr Metamora, IL 61548 Full Service B&M $98,089
Commerce Bank 100 N Main St Hannibal, MO 63401 Full Service B&M $113,876
Commerce Bank 100 S Broadway St Pittsburg, KS 66762 Full Service B&M $147,006
Commerce Bank 12280 W 135th St Overland Park, KS 66221 Full Service B&M $140,450
Commerce Bank 1250 S Woodlawn Blvd Wichita, KS 67218 Full Service B&M $39,800
Commerce Bank 12633 Dorsett Rd Maryland Heights, MO 63043 Full Service B&M $171,990
Commerce Bank 12829 South Highway 71 Grandview, MO 64030 Full Service B&M $63,936
Commerce Bank 1301 Locust St Harrisonville, MO 64701 Full Service B&M $159,591
Commerce Bank 1311 S Madison St Webb City, MO 64870 Full Service B&M $34,140
Commerce Bank 1339 E Empire St Bloomington, IL 61701 Full Service B&M $596,161
Commerce Bank 13441 State Line Rd Kansas City, MO 64145 Full Service B&M $167,074
Commerce Bank 1345 E Battlefield St Springfield, MO 65804 Full Service B&M $886,144
Commerce Bank 13501 Shawnee Mission Parkway Shawnee, KS 66216 Full Service B&M $135,656
Commerce Bank 137 W Maple St Columbus, KS 66725 Full Service B&M $52,509
Commerce Bank 1415 N. Morley St Moberly, MO 65270 Full Service B&M $63,176
Commerce Bank 14317 Manchester Rd Manchester, MO 63011 Full Service B&M $0
Commerce Bank 203 W Jackson St Willard, MO 65781 Full Service B&M $51,542
Commerce Bank 209 E Main St California, MO 65018 Full Service B&M $55,811
Commerce Bank 211 N Broadway Saint Louis, MO 63102 Full Service B&M $54,240
Commerce Bank 21800 Midland Drive Shawnee, KS 66218 Full Service B&M $173,020
Commerce Bank 2200 Vine St Hays, KS 67601 Full Service B&M $246,540
Commerce Bank 228 W Main St Lexington, IL 61753 Full Service B&M $36,134
Commerce Bank 232 S Osage Ave Tipton, MO 65081 Full Service B&M $55,511
Commerce Bank 2333 E 21st St N Wichita, KS 67214 Full Service B&M $0
Commerce Bank 2370 S Springfield Ave Bolivar, MO 65613 Full Service B&M $108,351
Commerce Bank 2609 E Broadway Ste 101 Columbia, MO 65201 Full Service B&M $37,360
Commerce Bank 2609 N Knoxville Ave Peoria, IL 61604 Full Service B&M $0
Commerce Bank 2616 N Kansas Expy Springfield, MO 65803 Full Service B&M $89,243
Commerce Bank 2700 S Saint Peters Pkwy Saint Peters, MO 63303 Full Service B&M $142,681
Commerce Bank 3303 Ashland Ave Saint Joseph, MO 64506 Full Service B&M $100,734
Commerce Bank 3503 Nw 63rd Street, Suite 300 Oklahoma City, OK 73116 Full Service B&M $187,543
Commerce Bank 3550 W 38th Ave Suite 70 Denver, CO 80211 Full Service B&M $3,623
Commerce Bank 3606 Frederick Avenue Saint Joseph, MO 64506 Full Service B&M $277,067
Commerce Bank 3709 Sandman Ln Columbia, MO 65201 Full Service B&M $567,602
Commerce Bank 4006 W 83rd St Prairie Village, KS 66208 Full Service Retail $168,062
Commerce Bank 4018 Rainbow Boulevard #20 Kansas City, KS 66103 Limited, Drive-thru $36,146
Commerce Bank 4100 Rusty Rd Saint Louis, MO 63128 Full Service B&M $143,698
Commerce Bank 432 Main Street Peoria, IL 61602 Full Service B&M $214,727
Commerce Bank 435 Mid Rivers Mall Dr Saint Peters, MO 63376 Full Service B&M $146,956
Commerce Bank 4400 Green Mount Crossing Dr Shiloh, IL 62269 Full Service B&M $51,044
Commerce Bank 4401 Natural Bridge Ave Saint Louis, MO 63115 Full Service B&M $29,170
Commerce Bank 600 N Rock Rd Derby, KS 67037 Full Service B&M $49,129
Commerce Bank 605 Us Highway 60 E Republic, MO 65738 Full Service B&M $72,035
Commerce Bank 6100 Troost Avenue Kansas City, MO 64110 Full Service B&M $27,841
Commerce Bank 6130 E 81st St Tulsa, OK 74137 Full Service B&M $0
Commerce Bank 614 N Glenstone Ave Springfield, MO 65802 Full Service B&M $81,505
Commerce Bank 625 W Central El Dorado, KS 67042 Full Service B&M $154,849
Commerce Bank 6271 Mid Rivers Mall Dr Saint Charles, MO 63304 Full Service B&M $150,926
Commerce Bank 6305 W. 135th St. Overland Park, KS 66223 Full Service B&M $263,372
Commerce Bank 6327 Chippewa St Saint Louis, MO 63109 Full Service B&M $135,913
Commerce Bank 6334 Ne Antioch Rd Gladstone, MO 64119 Full Service B&M $106,810
Commerce Bank 6336 Brookside Plz Kansas City, MO 64113 Limited, Drive-thru $204,755
Commerce Bank 6383 Clayton Rd Saint Louis, MO 63117 Full Service B&M $113,732
Commerce Bank 6424 E 13th St N Wichita, KS 67206 Full Service B&M $89,827
Commerce Bank 6630 Delmar Blvd University City, MO 63130 Full Service B&M $110,646
Commerce Bank 955 Iowa St Lawrence, KS 66044 Full Service B&M $145,800
Commerce Bank 956 Jeffco Blvd Arnold, MO 63010 Full Service B&M $115,599
Commerce Bank 9620 E 21st St N Wichita, KS 67226 Full Service B&M $83,099
Commerce Bank 9850 Saint Charles Rock Rd Saint Ann, MO 63074 Full Service B&M $79,046
Commerce Bank 995 Columbia Centre Columbia, IL 62236 Full Service B&M $51,587
Commerce Bank North 17th And Anderson Avenue Manhattan, KS 66502 Full Service B&M $22,388
Commerce Bank 1101 1st Capitol Dr Saint Charles, MO 63301 Full Service B&M $179,628
Commerce Bank 1102 Bradley St Festus, MO 63028 Full Service B&M $214,579
Commerce Bank 11080 Oakmont St. Overland Park, KS 66210 Full Service B&M $81,183
Commerce Bank 111 4h Rd Lansing, KS 66043 Full Service B&M $24,845
Commerce Bank 1111 North Fleming Street Garden City, KS 67846 Full Service B&M $228,180
Commerce Bank 1125 Charlotte Street Kansas City, MO 64106 Full Service B&M $68,515
Commerce Bank 11405 Nall Ave Leawood, KS 66211 Full Service B&M $302,865
Commerce Bank 118 W 47th St Kansas City, MO 64112 Full Service B&M $591,187
Commerce Bank 11900 South Strang Line Road Olathe, KS 66062 Full Service B&M $76,602
Commerce Bank 11901 Manchester Rd Saint Louis, MO 63131 Full Service B&M $125,463
Commerce Bank 1220 E Brown School Rd Columbia, MO 65202 Full Service B&M $33,341
Commerce Bank 12275 Olive Blvd Creve Coeur, MO 63141 Full Service B&M $140,558

For 2021, Commerce Bank had 167 branches.

Yearly Performance Overview

Bank Income

Item Value (in 000's)
Total interest income $834,237
Net interest income $821,294
Total noninterest income $557,196
Gross Fiduciary activities income $181,568
Service charges on deposit accounts $97,217
Trading account gains and fees $18,990
Additional Noninterest Income $259,421
Pre-tax net operating income $653,173
Securities gains (or losses, -) $-3,176
Income before extraordinary items $508,457
Discontinued Operations (Extraordinary gains, net) $0
Net income of bank and minority interests $508,457
Minority interest net income $26
Net income $508,431
Sale, conversion, retirement of capital stock, net $10,339
Net operating income $510,966

Commerce Bank's gross interest income from loans was $834,237,000.
Commerce Bank's net interest income from loans was $821,294,000.
Commerce Bank's fee based income from loans was $97,217,000.
Commerce Bank's net income from loans was $508,431,000.

Bank Expenses

Item Value (in 000's)
Total interest expense $12,943
Provision for credit losses $-66,326
Total noninterest expense $791,643
Salaries and employee benefits $485,545
Premises and equipment expense $66,513
Additional noninterest expense $239,585
Applicable income taxes $141,540
Net charge-offs $18,567
Cash dividends $340,000

Commerce Bank's interest expense for loans was $12,943,000.
Commerce Bank's payroll and benefits expense were $485,545,000.
Commerce Bank's property, plant and equipment expenses $66,513,000.

Loan Performance

Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
All loans 0.0%
Real Estate loans 0.0%
Construction & Land Development loans 0.0%
Nonfarm, nonresidential loans 0.0%
Multifamily residential loans 0.0%
1-4 family residential loans 0.0%
HELOC loans 0.0%
All other family 0.0%
Commercial & industrial loans 0.0%
Personal loans 0.0%
Credit card loans 0.9%
Other individual loans 0.0%
Auto loans 0.0%
Other consumer loans 0.0%
Unsecured commercial real estate loans 0.0%

Deposits

Type Value (in 000's)
Total deposits $30,064,476
Deposits held in domestic offices $30,064,476
Deposits by Individuals, partnerships, and corporations $27,629,095
Deposits by U.S. Government $408
Deposits by States and political subdivisions in the U.S. $2,302,136
Deposits by Commercial banks and other depository institutions in U.S. $132,807
Deposits by Banks in foreign countries $30
Deposits by Foreign governments and official institutions $0
Transaction accounts $6,833,341
Demand deposits $4,856,342
Nontransaction accounts $23,231,135
Money market deposit accounts (MMDAs) $20,262,721
Other savings deposits (excluding MMDAs) $1,525,799
Total time deposits $1,442,615
Total time and savings deposits $25,208,134
Noninterest-bearing deposits $12,023,776
Interest-bearing deposits $18,040,700
Retail deposits $29,254,118
IRAs and Keogh plan accounts $186,075
Brokered deposits $0
Deposits held in foreign offices $0

Assets

Asset Value (in 000's)
Total Assets $36,515,611
Cash & Balances due from depository institutions $4,292,674
Interest-bearing balances $3,971,712
Total securities $14,441,241
Federal funds sold & reverse repurchase $1,627,800
Net loans and leases $15,034,930
Loan and leases loss allowance $150,044
Trading account assets $46,312
Bank premises and fixed assets $384,275
Other real estate owned $2,224
Goodwill and other intangibles $154,491
All other assets $531,664

Liabilities

Liabilities Value (in 000's)
Total liabilities and capital $36,515,611
Total Liabilities $33,517,980
Total deposits $30,064,476
Interest-bearing deposits $18,040,700
Deposits held in domestic offices $30,064,476
% insured (estimated) $52
Federal funds purchased and repurchase agreements $3,022,966
Trading liabilities $12,559
Other borrowed funds $50,046
Subordinated debt $0
All other liabilities $367,933

Issued Loan Types

Type Value (in 000's)
Net loans and leases $15,034,930
Loan and leases loss allowance $150,044
Total loans and leases (domestic) $15,184,974
All real estate loans $7,453,973
Real estate loans in domestic offices $7,453,973
Construction and development loans $1,119,587
Residential 1-4 family construction $96,618
Other construction, all land development and other land $1,022,969
Loans secured by nonfarm nonresidential properties $2,489,911
Nonfarm nonresidential secured by owner-occupied properties $1,177,133
Commercial real estate & other non-farm, non-residential $1,312,778
Multifamily residential real estate $354,282
1-4 family residential loans $3,311,392
Farmland loans $178,801
Loans held in foreign offices $0
Farm loans $108,688
Commercial and industrial loans $3,238,743
To non-U.S. addressees $0
Loans to individuals $2,384,559
Credit card loans $575,410
Related Plans $723,273
Consumer Auto Loans $855,426
Other loans to individuals $230,450
All other loans & leases $1,999,011
Loans to foreign governments and official institutions $0
Other loans $552,935
Loans to depository institutions and acceptances of other banks $5,905
Loans not secured by real estate $111,432
Loans secured by real estate to non-U.S. addressees $0
Restructured Loans & leases $56,205
Non 1-4 family restructured loans & leases $52,178
Total loans and leases (foreign) $0

Commerce Bank had $15,034,930,000 of loans outstanding in 2021. $7,453,973,000 of loans were in real estate loans. $1,119,587,000 of loans were in development loans. $354,282,000 of loans were in multifamily mortgage loans. $3,311,392,000 of loans were in 1-4 family mortgage loans. $108,688,000 of loans were in farm loans. $575,410,000 of loans were in credit card loans. $855,426,000 of loans were in the auto loan category.

Small Business Loans

Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
Nonfarm, nonresidential loans - <$1MM 1,310 $304,920 $232,763
Nonfarm, nonresidential loans - <$100k 219 $8,872 $40,511
Nonfarm, nonresidential loans - $100-250k 427 $49,826 $116,689
Nonfarm, nonresidential loans - $250k-1MM 664 $246,222 $370,816
Commercial & Industrial, US addressed loans - <$1MM 11,110 $423,858 $38,151
Commercial & Industrial, US addressed loans - <$100k 9,270 $90,540 $9,767
Commercial & Industrial, US addressed loans - $100-250k 971 $81,333 $83,762
Commercial & Industrial, US addressed loans - $250k-1MM 869 $251,985 $289,971
Farmland loans - <$1MM 665 $87,133 $131,027
Farmland loans - <$100k 234 $9,738 $41,615
Farmland loans - $100-250k 286 $36,628 $128,070
Farmland loans - $250k-1MM 145 $40,767 $281,152
Agriculture operations loans - <$1MM 1,244 $61,052 $49,077
Agriculture operations loans - <$100k 994 $22,119 $22,253
Agriculture operations loans - $100-250k 171 $19,913 $116,450
Agriculture operations loans - $250k-1MM 79 $19,020 $240,759