Commerce Bancshares Inc (NASDAQ: CBSH) is a bank holding company that operates commercial banking, consumer banking, and wealth management businesses across the central United States. It earns revenue primarily through net interest income on loans and deposits, and through fee-based services including commercial payments and wealth management. As of December 31, 2025, the Company held $32.9 billion in consolidated assets, $17.8 billion in loans, $25.6 billion in deposits, and $3.8 billion in equity, ranking it among the top 50 U.S. bank holding companies by asset size. Its 140 branch facilities serve markets primarily in Missouri, Kansas, and central Illinois, with additional presence in Oklahoma, Colorado, and several other states. St. Louis and Kansas City are its two largest markets. On January 1, 2026, the Company completed the acquisition of FineMark Holdings, Inc. in an all-stock transaction, issuing 9.9 million shares and adding 13 FineMark branch locations.

Revenue model

Net interest income from a $17.8 billion loan portfolio and $25.6 billion deposit base (as of December 31, 2025), supplemented by fee income from commercial payments processing, wealth management services, and other banking services.

Products and services

Commercial banking, consumer banking, wealth management, and a commercial payments business with sales representatives covering the continental United States.

Customers and end markets

Commercial clients, retail banking customers, and wealth management clients across Missouri, Kansas, central Illinois, Oklahoma, Colorado, and select other markets. The commercial payments business serves clients across the continental U.S.

Value-chain role

Deposit-taking and lending institution; payment processor for commercial clients; wealth and trust services provider.

Geographic exposure

Primary markets in Missouri, Kansas, and central Illinois, with 140 branch facilities as of December 31, 2025. Additional offices in Tulsa, Oklahoma City, Denver, Dallas, Houston, Cincinnati, Nashville, Des Moines, Indianapolis, Grand Rapids, and Naples. Commercial payments business covers the continental U.S. FineMark acquisition (closed January 1, 2026) added 13 branch locations.

Source: SEC 10-K, filed 2026-02-24

Industry: State Commercial Banks Peers: COMERICA INC Cullen/Frost Bankers Inc East West Bancorp Inc PINNACLE FINANCIAL PARTNERS INC PNC Financial Services Group Inc Signature Bank Corp Zions Bancorporation NA Western Alliance Bancorp Webster Financial Corp