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Regulatory Capital Requirements
 12 Months Ended
Dec. 31, 2018
Regulatory Capital Requirements [Abstract]  
Regulatory Capital Requirements
Regulatory Capital Requirements
The Company is subject to various regulatory capital requirements administered by the federal banking agencies. Failure to meet minimum capital requirements can initiate certain mandatory and additional discretionary actions by regulators that could have a direct material effect on the Company’s financial statements. The regulations require the Company to meet specific capital adequacy guidelines that involve quantitative measures of the Company’s assets, liabilities and certain off-balance sheet items as calculated under regulatory accounting practices. The Company’s capital classification is also subject to qualitative judgments by the regulators about components, risk weightings and other factors.

The following tables show the capital amounts and ratios for the Company (on a consolidated basis) and the Bank, together with the minimum capital adequacy and well-capitalized capital requirements, at the last two year ends.
 
Actual
 
Minimum Capital Adequacy Requirement
 
Well-Capitalized Capital Requirement
(Dollars in thousands)
Amount
Ratio
 
Amount
Ratio
 
Amount
Ratio
December 31, 2018
 
 
 
 
 
 
 
 
Total Capital (to risk-weighted assets):
 
 
 
 
 
 
 
 
Commerce Bancshares, Inc. (consolidated)
$
3,022,023

15.82
%
 
$
1,528,317

8.00
%
 
N.A.

N.A.

Commerce Bank
2,655,591

13.98

 
1,519,169

8.00

 
$
1,898,962

10.00
%
Tier I Capital (to risk-weighted assets):
 
 
 
 
 
 
 
 
Commerce Bancshares, Inc. (consolidated)
$
2,861,016

14.98
%
 
$
1,146,238

6.00
%
 
N.A.

N.A.

Commerce Bank
2,494,584

13.14

 
1,139,377

6.00

 
$
1,519,169

8.00
%
Tier I Common Capital (to risk-weighted assets):
 
 
 
 
 
 
 
 
Commerce Bancshares, Inc. (consolidated)
$
2,716,232

14.22
%
 
$
859,678

4.50
%
 
N.A.

N.A.

Commerce Bank
2,494,584

13.14

 
854,533

4.50

 
$
1,234,325

6.50
%
Tier I Capital (to adjusted quarterly average assets):
 
 
 
 
 
 
 
 
(Leverage Ratio)
 
 
 
 
 
 
 
 
Commerce Bancshares, Inc. (consolidated)
$
2,861,016

11.52
%
 
$
993,564

4.00
%
 
N.A.

N.A.

Commerce Bank
2,494,584

10.07

 
991,185

4.00

 
$
1,238,981

5.00
%
December 31, 2017
 
 
 
 
 
 
 
 
Total Capital (to risk-weighted assets):
 
 
 
 
 
 
 
 
Commerce Bancshares, Inc. (consolidated)
$
2,747,863

14.35
%
 
$
1,531,996

8.00
%
 
N.A.

N.A.

Commerce Bank
2,428,789

12.76

 
1,522,361

8.00

 
$
1,902,951

10.00
%
Tier I Capital (to risk-weighted assets):
 
 
 
 
 
 
 
 
Commerce Bancshares, Inc. (consolidated)
$
2,567,264

13.41
%
 
$
1,148,997

6.00
%
 
N.A.

N.A.

Commerce Bank
2,268,131

11.92

 
1,141,771

6.00

 
$
1,522,361

8.00
%
Tier I Common Capital (to risk-weighted assets):
 
 
 
 
 
 
 
 
Commerce Bancshares, Inc. (consolidated)
$
2,422,480

12.65
%
 
$
861,748

4.50
%
 
N.A.

N.A.

Commerce Bank
2,268,131

11.92

 
856,328

4.50

 
$
1,236,918

6.50
%
Tier I Capital (to adjusted quarterly average assets):
 
 
 
 
 
 
 
 
(Leverage Ratio)
 
 
 
 
 
 
 
 
Commerce Bancshares, Inc. (consolidated)
$
2,567,264

10.39
%
 
$
988,653

4.00
%
 
N.A.

N.A.

Commerce Bank
2,268,131

9.20

 
986,240

4.00

 
$
1,232,800

5.00
%


The minimum required ratios for well-capitalized banks (under prompt corrective action provisions) are 6.5% for Tier I common capital, 8.0% for Tier I capital, 10.0% for Total capital and 5.0% for the leverage ratio.

At December 31, 2018 and 2017, the Company met all capital requirements to which it is subject, and the Bank’s capital position exceeded the regulatory definition of well-capitalized.