Peer Analysis

Performance Ratios (%) CBSH Peer Median Peer Average
ROAA 1.47 1.01 0.70
ROAE 11.95 7.76 5.67
Net Interest Margin 3.44 3.35 3.39
Efficiency Ratio 57.11 58.01 56.52
Loans / Deposits 72.55 92.38 88.20
Asset Quality Ratios (%)
NPAs / Assets 0.34 0.62 0.57
NCOs / Avg Loans 0.34 0.19 0.19
Reserves / Loans 1.14 1.37 1.35
Reserves / NPAs 189.55 157.34 208.14
Capital Ratios (%)
Tier 1 Capital 14.24 11.10 10.92
Tangible Equity / Tangible Assets 11.68 8.81 8.93
Total Equity / Total Assets 12.14 11.30 12.50
Market Ratios
Price / Earnings (x) 17.31 8.81 9.23
Price / Book (%) 199.53 70.98 71.95
Dividend Yield (%) 1.94 4.37 4.72
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), Fulton Financial Corporation (FULT), Hancock Whitney Corporation (HWC), IBERIABANK Corporation (IBKC), 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 3/31/2020.

Peer financial data is as of 3/31/2020