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Performance Ratios (%) CBSH Peer Median Peer Average
ROAA 1.20 0.90 0.58
ROAE 10.69 7.46 4.27
Net Interest Margin 2.99 3.18 3.13
Efficiency Ratio 56.97 58.16 56.50
Loans / Deposits 60.60 80.94 81.63
Asset Quality Ratios (%)
NPAs / Assets NA 0.53 0.51
NCOs / Avg Loans 0.22 0.18 0.29
Reserves / Loans 1.35 1.46 1.40
Reserves / NPAs NA 179.57 233.96
Capital Ratios (%)
Tier 1 Capital NA 11.81 11.68
Tangible Equity / Tangible Assets NA 8.65 8.79
Total Equity / Total Assets 10.33 11.34 11.97
Market Ratios
Price / Earnings (x) 23.85 14.08 14.87
Price / Book (%) 239.27 107.75 112.44
Dividend Yield (%) 1.41 2.98 2.91
Data for trailing four quarters

Commerce Bancshares, Inc.'s peer group consists of the following: Associated Banc-Corp (ASB), BancorpSouth Bank (BXS), Bank OZK (OZK), BOK Financial Corporation (BOKF), Cullen/Frost Bankers, Inc. (CFR), F.N.B. Corporation (FNB), First Citizens BancShares, Inc. (FCNC.A), Fulton Financial Corporation (FULT), Hancock Whitney Corporation (HWC), Old National Bancorp (ONB), Pinnacle Financial Partners, Inc. (PNFP), Prosperity Bancshares, Inc. (PB), Simmons First National Corporation (SFNC), UMB Financial Corporation (UMBF), Umpqua Holdings Corporation (UMPQ), United Bankshares, Inc. (UBSI), Valley National Bancorp (VLY), Webster Financial Corporation (WBS), Wintrust Financial Corporation (WTFC)

Commerce Bancshares, Inc.'s financial data is as of 12/31/2020.

Peer financial data is as of 12/31/2020 except for these companies:

Cullen/Frost Bankers, Inc.'s financial data is as of 9/30/2020.
First Citizens BancShares, Inc.'s financial data is as of 9/30/2020.
Simmons First National Corporation's financial data is as of 9/30/2020.
United Bankshares, Inc.'s financial data is as of 9/30/2020.
UMB Financial Corporation's financial data is as of 9/30/2020.
Valley National Bancorp's financial data is as of 9/30/2020.
BancorpSouth Bank's financial data is as of 9/30/2020.
Prosperity Bancshares, Inc.'s financial data is as of 9/30/2020.