Peer Analysis

Performance Ratios (%) CBSH Peer Median Peer Average
ROAA 1.15 0.94 0.58
ROAE 9.55 7.47 4.80
Net Interest Margin 3.26 3.25 3.29
Efficiency Ratio 57.72 58.58 56.70
Loans / Deposits 66.85 87.91 84.12
Asset Quality Ratios (%)
NPAs / Assets 0.31 0.63 0.54
NCOs / Avg Loans 0.31 0.16 0.29
Reserves / Loans 1.47 1.39 1.37
Reserves / NPAs 251.35 153.05 231.52
Capital Ratios (%)
Tier 1 Capital 14.00 11.44 11.26
Tangible Equity / Tangible Assets 10.60 8.31 8.52
Total Equity / Total Assets 11.01 11.14 11.72
Market Ratios
Price / Earnings (x) 21.06 9.12 9.26
Price / Book (%) 193.03 68.19 70.88
Dividend Yield (%) 1.94 4.42 4.61
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 6/30/2020.

Peer financial data is as of 6/30/2020