# Commerce Bank

> Commerce Bank is a Missouri-based regional bank whose personal and business banking franchise sits alongside a national commercial payments business and an expanding wealth management operation. Its parent, Commerce Bancshares, reported $35.3 billion in assets at June 30, 2026; recent acquisitions add private banking reach and middle-market investment banking advice.

- **Founded:** 1865
- **Headquarters:** Kansas City, United States
- **Founders:** Francis Reid Long (Founder)
- **Products:** Personal banking, Business and commercial banking, CommercePayments, Commerce Connections Direct, Commerce Trust
- **Notable:** Completed deposit-core modernization announced in February 2022., Vendor reported private-bank origination of five minutes or less in February 2024., FedNow go-live announced in May 2024.

## Products & services

- **Personal banking** — Checking, savings, certificates of deposit, mortgages, consumer credit cards, and mobile and online banking.
- **Business and commercial banking** — Working-capital and real-estate lending, equipment finance, treasury management and capital markets services for businesses and institutions.
- **CommercePayments** — Commercial cards, virtual cards, payment automation, receivables and PreferPay disbursement services; commercial payments offered in 48 contiguous states.
- **Commerce Connections Direct** — Embedded banking developed with FISPAN, initially supporting QuickBooks Online and Sage Intacct at its 2022 launch.
- **Commerce Trust** — Private banking, investment management, trust administration and financial and estate planning.
- **Private-bank digital loan origination** — Temenos-based origination for securities-based loans and lines of credit; vendor reported a process of five minutes or less at launch.
- **FedNow through Temenos Payments Hub** — Real-time payments capability announced live in May 2024.
- **FineMark Bank & Trust** — Division of Commerce Bank following the January 2026 acquisition, extending private banking and wealth services.
- **Nolan & Associates** — Middle-market sell-side, buy-side and capital-raising advisory capabilities acquired through Middle Market Transactions, Inc. in October 2026.

## Achievements

- Completed deposit-core modernization announced in February 2022.
- Vendor reported private-bank origination of five minutes or less in February 2024.
- FedNow go-live announced in May 2024.
- Reported $9.9 billion of commercial card volume for 2025.
- Parent reported $35.3 billion of assets at June 30, 2026.
- Completed FineMark acquisition January 1, 2026 and Nolan acquisition October 1, 2026.

## Latest updates

- **2026-10** — Completed Nolan & Associates acquisition on October 1 through Middle Market Transactions, Inc.; the team and Brentwood office remain. Terms were not disclosed.
- **2026-07** — Parent reported second-quarter net income of $159.8 million on July 16.
- **2026-06** — June 30 figures show $35.3 billion of assets and $94.5 billion of total trust assets; these are distinct measures.
- **2026-01** — FineMark acquisition closed January 1; FineMark became a division of Commerce Bank. Systems conversion was planned for the second half of 2026 at closing, with completion not asserted here.

## Links

- Website: https://www.commercebank.com
- LinkedIn: https://www.linkedin.com/company/commerce_bank/
- Twitter/X: https://twitter.com/CommerceBank
- Instagram: https://www.instagram.com/commercebank/
- Facebook: https://www.facebook.com/Commerce-Bank-926435934185250/

---

Profile page: https://yespress.io/commerce-bank
Published by YesPress — https://yespress.io
Last updated: 2026-10-22