XML 66 R49.htm IDEA: XBRL DOCUMENT v3.24.0.1
Regulatory Capital Requirements (Tables)
12 Months Ended
Dec. 31, 2023
Broker-Dealer, Net Capital Requirement, SEC Regulation [Abstract]  
Schedule Of Capital Amounts And Ratios On Consolidated Basis
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)AmountRatioAmountRatioAmountRatio
December 31, 2023
Total Capital (to risk-weighted assets):
Commerce Bancshares, Inc. (consolidated)
$3,881,024 16.03 %$1,937,322 8.00 %
N.A.
N.A.
Commerce Bank
3,313,640 13.81 1,919,257 8.00 $2,399,071 10.00 %
Tier I Capital (to risk-weighted assets):
Commerce Bancshares, Inc. (consolidated)
$3,693,089 15.25 %$1,452,992 6.00 %
N.A.
N.A.
Commerce Bank
3,125,706 13.03 1,439,443 6.00 $1,919,257 8.00 %
Tier I Common Capital (to risk-weighted assets):
Commerce Bancshares, Inc. (consolidated)
$3,693,089 15.25 %$1,089,744 4.50 %
N.A.
N.A.
Commerce Bank
3,125,706 13.03 1,079,582 4.50 $1,559,396 6.50 %
Tier I Capital (to adjusted quarterly average assets):
(Leverage Ratio)
Commerce Bancshares, Inc. (consolidated)
$3,693,089 11.25 %$1,313,377 4.00 %
N.A.
N.A.
Commerce Bank
3,125,706 9.56 1,307,174 4.00 $1,633,968 5.00 %
December 31, 2022
Total Capital (to risk-weighted assets):
Commerce Bancshares, Inc. (consolidated)
$3,600,920 14.89 %$1,934,274 8.00 %N.A.N.A.
Commerce Bank
3,125,987 13.05 1,916,529 8.00 $2,395,661 10.00 %
Tier I Capital (to risk-weighted assets):
Commerce Bancshares, Inc. (consolidated)
$3,417,223 14.13 %$1,450,705 6.00 %N.A.N.A.
Commerce Bank
2,942,291 12.28 1,437,397 6.00 $1,916,529 8.00 %
Tier I Common Capital (to risk-weighted assets):
Commerce Bancshares, Inc. (consolidated)
$3,417,223 14.13 %$1,088,029 4.50 %N.A.N.A.
Commerce Bank
2,942,291 12.28 1,078,047 4.50 $1,557,180 6.50 %
Tier I Capital (to adjusted quarterly average assets):
(Leverage Ratio)
Commerce Bancshares, Inc. (consolidated)
$3,417,223 10.34 %$1,322,102 4.00 %N.A.N.A.
Commerce Bank
2,942,291 8.86 1,328,220 4.00 $1,660,275 5.00 %