Commerce Bancshares is a regional bank holding company headquartered in Kansas City, Missouri. Through its primary subsidiary, Commerce Bank, Commerce Bancshares provides banking products and services to individuals, businesses, and municipalities, primarily across Missouri, Kansas, and central Illinois, with additional presence in Oklahoma, Colorado, and select cities including Dallas, Houston, and Nashville. Commerce Bancshares describes its model as "super-community banking" — combining the local relationship focus of a community bank with the product breadth of a larger institution. Commerce Bancshares operates three segments: Commercial (~48% of segment pre-tax income), which covers corporate lending, card products, payment solutions, leasing, and cash management; Retail Banking (~28%), which covers consumer lending, mortgages, and card products through its 140-branch network; and Wealth (~24%), which covers trust, estate planning, brokerage, and investment management. Commerce Bancshares earns primarily through net interest income and fee income from its wealth, payments, and card businesses. The company grows both organically and through acquisitions. Organically, Commerce Bancshares is expanding its commercial payments business nationally through a dedicated sales force covering the continental U.S. On the acquisition side, Commerce Bancshares acquired FineMark in January 2026, adding wealth management operations in Florida, Arizona, and South Carolina and expanding its reach into Sun Belt markets.