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Regulatory Capital Requirements (Tables)
12 Months Ended
Dec. 31, 2020
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, 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 %