Regulatory Capital Requirements

12 Months Ended

Dec. 31, 2025

Broker-Dealer, Net Capital Requirement, SEC Regulation [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, 2025
Total Capital (to risk-weighted assets):
Commerce Bancshares, Inc. (consolidated)	$	4,353,905	18.16	%	$	1,917,661	8.00	%	N.A.		N.A.
Commerce Bank	3,833,780		16.15		1,899,151		8.00		$	2,373,939	10.00	%
Tier I Capital (to risk-weighted assets):
Commerce Bancshares, Inc. (consolidated)	$	4,156,776	17.34	%	$	1,438,246	6.00	%	N.A.		N.A.
Commerce Bank	3,636,651		15.32		1,424,364		6.00		$	1,899,151	8.00	%
Tier I Common Capital (to risk-weighted assets):
Commerce Bancshares, Inc. (consolidated)	$	4,156,776	17.34	%	$	1,078,684	4.50	%	N.A.		N.A.
Commerce Bank	3,636,651		15.32		1,068,273		4.50		$	1,543,061	6.50	%
Tier I Capital (to adjusted quarterly average assets):
(Leverage Ratio)
Commerce Bancshares, Inc. (consolidated)	$	4,156,776	12.65	%	$	1,314,066	4.00	%	N.A.		N.A.
Commerce Bank	3,636,651		11.13		1,307,252		4.00		$	1,634,065	5.00	%
December 31, 2024
Total Capital (to risk-weighted assets):
Commerce Bancshares, Inc. (consolidated)	$	4,108,270	17.48	%	$	1,880,032	8.00	%	N.A.		N.A.
Commerce Bank	3,484,249		14.98		1,861,121		8.00		$	2,326,401	10.00	%
Tier I Capital (to risk-weighted assets):
Commerce Bancshares, Inc. (consolidated)	$	3,926,446	16.71	%	$	1,410,024	6.00	%	N.A.		N.A.
Commerce Bank	3,302,425		14.20		1,395,841		6.00		$	1,861,121	8.00	%
Tier I Common Capital (to risk-weighted assets):
Commerce Bancshares, Inc. (consolidated)	$	3,926,446	16.71	%	$	1,057,518	4.50	%	N.A.		N.A.
Commerce Bank	3,302,425		14.20		1,046,880		4.50		$	1,512,161	6.50	%
Tier I Capital (to adjusted quarterly average assets):
(Leverage Ratio)
Commerce Bancshares, Inc. (consolidated)	$	3,926,446	12.26	%	$	1,281,116	4.00	%	N.A.		N.A.
Commerce Bank	3,302,425		10.36		1,274,648		4.00		$	1,593,310	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, 2025 and 2024, the Company met all capital requirements to which it is subject, and the Bank’s capital position exceeded the regulatory definition of well-capitalized.