Commerce Bancshares Balance Sheet Health
Financial Health criteria checks 6/6
Commerce Bancshares has total assets of $31.5B and total equity of $3.5B. Total deposits are $25.2B, and total loans are $16.9B. It earns a Net Interest Margin of 3.2%. It has sufficient allowance for bad loans, which are currently at 0.1% of total loans. Cash and short-term investments are $3.8B.
Key information
9.1x
Asset to equity ratio
3.2%
Net interest margin
| Total deposits | US$25.24b |
| Loan to deposit ratio | Appropriate |
| Bad loans | 0.1% |
| Allowance for bad loans | Sufficient |
| Current ratio | Low |
| Cash & equivalents | US$3.77b |
Recent financial health updates
No updates
Recent updates
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: CB5's Assets to Equity ratio (9.1x) is low.
Allowance for Bad Loans: CB5 has a sufficient allowance for bad loans (873%).
Low Risk Liabilities: 90% of CB5's liabilities are made up of primarily low risk sources of funding.
Loan Level: CB5 has an appropriate level of Loans to Assets ratio (54%).
Low Risk Deposits: CB5's Loans to Deposits ratio (67%) is appropriate.
Level of Bad Loans: CB5 has an appropriate level of bad loans (0.1%).