XML 39 R23.htm IDEA: XBRL DOCUMENT
v3.20.4

Regulatory Capital Requirements | 12 Months Ended
--- | ---
Dec. 31, 2020
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, 2020 |  |  |  |  |  |  |  |
Total Capital (to risk-weighted assets): |  |  |  |  |  |  |  |
Commerce Bancshares, Inc. (consolidated) | $ | 3,189,432 |  | 14.82 | % |  | $ | 1,721,317 |  | 8.00 | % |  | N.A. | N.A.
Commerce Bank | 2,844,675 |  | 13.30 |  |  | 1,710,778 |  | 8.00 |  |  | $ | 2,138,472 |  | 10.00 | %
Tier I Capital (to risk-weighted assets): |  |  |  |  |  |  |  |
Commerce Bancshares, Inc. (consolidated) | $ | 2,950,926 |  | 13.71 | % |  | $ | 1,290,988 |  | 6.00 | % |  | N.A. | N.A.
Commerce Bank | 2,606,169 |  | 12.19 |  |  | 1,283,083 |  | 6.00 |  |  | $ | 1,710,778 |  | 8.00 | %
Tier I Common Capital (to risk-weighted assets): |  |  |  |  |  |  |  |
Commerce Bancshares, Inc. (consolidated) | $ | 2,950,926 |  | 13.71 | % |  | $ | 968,241 |  | 4.50 | % |  | N.A. | N.A.
Commerce Bank | 2,606,169 |  | 12.19 |  |  | 962,312 |  | 4.50 |  |  | $ | 1,390,007 |  | 6.50 | %
Tier I Capital (to adjusted quarterly average assets): |  |  |  |  |  |  |  |
(Leverage Ratio) |  |  |  |  |  |  |  |
Commerce Bancshares, Inc. (consolidated) | $ | 2,950,926 |  | 9.45 | % |  | $ | 1,249,584 |  | 4.00 | % |  | N.A. | N.A.
Commerce Bank | 2,606,169 |  | 8.36 |  |  | 1,246,470 |  | 4.00 |  |  | $ | 1,558,087 |  | 5.00 | %
December 31, 2019 |  |  |  |  |  |  |  |
Total Capital (to risk-weighted assets): |  |  |  |  |  |  |  |
Commerce Bancshares, Inc. (consolidated) | $ | 3,052,079 |  | 15.48 | % |  | $ | 1,577,105 |  | 8.00 | % |  | N.A. | N.A.
Commerce Bank | 2,583,676 |  | 13.19 |  |  | 1,566,866 |  | 8.00 |  |  | $ | 1,958,583 |  | 10.00 | %
Tier I Capital (to risk-weighted assets): |  |  |  |  |  |  |  |
Commerce Bancshares, Inc. (consolidated) | $ | 2,890,322 |  | 14.66 | % |  | $ | 1,182,829 |  | 6.00 | % |  | N.A. | N.A.
Commerce Bank | 2,421,919 |  | 12.37 |  |  | 1,175,150 |  | 6.00 |  |  | $ | 1,566,866 |  | 8.00 | %
Tier I Common Capital (to risk-weighted assets): |  |  |  |  |  |  |  |
Commerce Bancshares, Inc. (consolidated) | $ | 2,745,538 |  | 13.93 | % |  | $ | 887,122 |  | 4.50 | % |  | N.A. | N.A.
Commerce Bank | 2,421,919 |  | 12.37 |  |  | 881,362 |  | 4.50 |  |  | $ | 1,273,079 |  | 6.50 | %
Tier I Capital (to adjusted quarterly average assets): |  |  |  |  |  |  |  |
(Leverage Ratio) |  |  |  |  |  |  |  |
Commerce Bancshares, Inc. (consolidated) | $ | 2,890,322 |  | 11.38 | % |  | $ | 1,015,771 |  | 4.00 | % |  | N.A. | N.A.
Commerce Bank | 2,421,919 |  | 9.57 |  |  | 1,012,232 |  | 4.00 |  |  | $ | 1,265,290 |  | 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, 2020 and 2019, the Company met all capital requirements to which it is subject, and the Bank’s capital position exceeded the regulatory definition of well-capitalized.

X
- References No definition available. + Details
Name: | srt_RegulatoryCapitalRequirementsAbstract
Namespace Prefix: | srt_
Data Type: | xbrli:stringItemType
Balance Type: | na
Period Type: | duration

X
- Definition The entire disclosure for regulatory capital requirement for depository and lending institutions. Institutions include, but not are not limited to, finance company, insured depository institution, bank holding company, savings and loan association holding company, bank and savings institution not federally insured, mortgage company, foreign financial institution and credit union. + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Publisher FASB -Name Accounting Standards Codification -Topic 942 -SubTopic 505 -Section 50 -Paragraph 1F -URI http://asc.fasb.org/extlink&oid=117337116&loc=SL5958575-112826 Reference 2: http://www.xbrl.org/2003/role/disclosureRef -Publisher FASB -Name Accounting Standards Codification -Topic 942 -SubTopic 505 -Section 50 -Paragraph 1 -Subparagraph (c)(2) -URI http://asc.fasb.org/extlink&oid=117337116&loc=SL5958568-112826 Reference 3: http://www.xbrl.org/2003/role/disclosureRef -Publisher FASB -Name Accounting Standards Codification -Topic 942 -SubTopic 505 -Section 50 -Paragraph 1 -Subparagraph (b) -URI http://asc.fasb.org/extlink&oid=117337116&loc=SL5958568-112826 Reference 4: http://www.xbrl.org/2003/role/disclosureRef -Publisher FASB -Name Accounting Standards Codification -Topic 942 -SubTopic 505 -Section 50 -Paragraph 1A -URI http://asc.fasb.org/extlink&oid=117337116&loc=SL5958569-112826 Reference 5: http://www.xbrl.org/2003/role/disclosureRef -Publisher FASB -Name Accounting Standards Codification -Topic 942 -SubTopic 505 -Section 50 -Paragraph 1 -Subparagraph (a)(2) -URI http://asc.fasb.org/extlink&oid=117337116&loc=SL5958568-112826 Reference 6: http://www.xbrl.org/2003/role/disclosureRef -Publisher FASB -Name Accounting Standards Codification -Topic 942 -SubTopic 505 -Section 50 -Paragraph 1 -Subparagraph (a)(1) -URI http://asc.fasb.org/extlink&oid=117337116&loc=SL5958568-112826 Reference 7: http://www.xbrl.org/2003/role/disclosureRef -Publisher FASB -Name Accounting Standards Codification -Topic 942 -SubTopic 505 -Section 50 -Paragraph 1 -Subparagraph (e) -URI http://asc.fasb.org/extlink&oid=117337116&loc=SL5958568-112826 Reference 8: http://www.xbrl.org/2003/role/disclosureRef -Publisher FASB -Name Accounting Standards Codification -Topic 942 -SubTopic 505 -Section 50 -Paragraph 1D -URI http://asc.fasb.org/extlink&oid=117337116&loc=SL5958573-112826 + Details
Name: | us-gaap_RegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock
Namespace Prefix: | us-gaap_
Data Type: | nonnum:textBlockItemType
Balance Type: | na
Period Type: | duration