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Regulatory Capital Requirements (Tables)
12 Months Ended
Dec. 31, 2022
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, 2022
Total Capital (to risk-weighted assets):
Commerce Bancshares, Inc. (consolidated)
$3,600,920 14.89 %$1,934,274 8.00 %
N.A.
N.A.
Commerce Bank
3,125,987 13.05 1,916,529 8.00 $2,395,661 10.00 %
Tier I Capital (to risk-weighted assets):
Commerce Bancshares, Inc. (consolidated)
$3,417,223 14.13 %$1,450,705 6.00 %
N.A.
N.A.
Commerce Bank
2,942,291 12.28 1,437,397 6.00 $1,916,529 8.00 %
Tier I Common Capital (to risk-weighted assets):
Commerce Bancshares, Inc. (consolidated)
$3,417,223 14.13 %$1,088,029 4.50 %
N.A.
N.A.
Commerce Bank
2,942,291 12.28 1,078,047 4.50 $1,557,180 6.50 %
Tier I Capital (to adjusted quarterly average assets):
(Leverage Ratio)
Commerce Bancshares, Inc. (consolidated)
$3,417,223 10.34 %$1,322,102 4.00 %
N.A.
N.A.
Commerce Bank
2,942,291 8.86 1,328,220 4.00 $1,660,275 5.00 %
December 31, 2021
Total Capital (to risk-weighted assets):
Commerce Bancshares, Inc. (consolidated)
$3,399,880 15.12 %$1,798,700 8.00 %
N.A.
N.A.
Commerce Bank
2,939,345 13.19 1,783,288 8.00 $2,229,110 10.00 %
Tier I Capital (to risk-weighted assets):
Commerce Bancshares, Inc. (consolidated)
$3,225,044 14.34 %$1,349,025 6.00 %
N.A.
N.A.
Commerce Bank
2,764,509 12.40 1,337,466 6.00 $1,783,288 8.00 %
Tier I Common Capital (to risk-weighted assets):
Commerce Bancshares, Inc. (consolidated)
$3,225,044 14.34 %$1,011,769 4.50 %
N.A.
N.A.
Commerce Bank
2,764,509 12.40 1,003,100 4.50 $1,448,922 6.50 %
Tier I Capital (to adjusted quarterly average assets):
(Leverage Ratio)
Commerce Bancshares, Inc. (consolidated)
$3,225,044 9.13 %$1,412,370 4.00 %
N.A.
N.A.
Commerce Bank
2,764,509 7.86 1,406,785 4.00 $1,758,482 5.00 %