Recognized as an Industry Leader

Commerce Bancshares, Inc., operates as a super-community bank offering an array of sophisticated financial products delivered with high-quality, personal customer service. The company's customer promise - We ask, listen and solve - is not just its brand, but also its corporate focus. With this platform, Commerce is continually building its long-term franchise while paying strict attention to asset quality and expense management.

Super-Community Banking

In the industry for 150 years, Commerce provides award winning customer service and knowledge of our customers and markets. Commerce offers a full range of financial products to consumer and commercial customers, including:

  • Sophisticated payment processing systems
  • Broad consumer and commercial products
  • Private banking, trust, capital markets

Industry Ranking and Recognition

Commerce Bank is recognized as an industry leader in financial services and has consistently won awards and high marks for innovative product offerings, customer satisfaction and sound money management.

  • $24.6 billion in assets2; ranked #37 among U.S. banks1
  • $4.1 billion Market Cap2; ranked #27 among U.S. banks1
  • The Commerce Trust Company oversees $38.3 billion in assets under administration and $22.6 billion in assets under management (AUM)2; ranked #22 nationally based on AUM1
  • Commerce Bank is consistently ranked among the top 35 issuers of card products in the U.S. by the Nilson Report.

Central U.S. Footprint; National Presence

Represented by 4,770 full-time equivalent employees, Commerce serves its customers in 191 branches in Missouri, Kansas, Illinois, Oklahoma and Colorado, as well as commercial offices in Cincinnati, Nashville, and Dallas. The majority of pre-tax profit is generated from eight key markets (Kansas City, St. Louis and Springfield, Missouri; Central Missouri; Central Illinois; Wichita, Kansas; Tulsa, Oklahoma; and Denver, Colorado).

Commerce uses a variety of delivery platforms including an expansive ATM network, full-featured online banking, a central contact center, and has a nationwide presence in the commercial payments industry.

Market Stability

Commerce values employees, customers and shareholders while striving to produce consistent, solid returns. During the last 10 years, the company's annualized total shareholder return was 5.65% compared to the NASDAQ bank return of 1.62%.

Total Shareholder Returns*

Indexed, 12/31/2005 = 100
Total Shareholder Returns*
Consistent, positive returns to stakeholders.
Significant outperformance relative to banks over long period.

*Assumes reinvested dividends multi-year returns are annualized; includes special dividend effective 11/28/2012.
Source: Bloomberg, data as of 12/31/2015

Long Term View: Net Income and Earnings Per Share

Record Net Income & EPS Growth
EPS remains strong
47th consecutive year of dividend growth

*All data restated for 5% stock dividend distributed in December 2015.
Including 2012 special dividend = $1.99
Source: CBI corporate finance

Industry Recognitions 2013-2015

Award or Recognition Official Description Date
Bloomberg Markets Magazine Bloomberg Markets magazine named Commerce Family Office, a division of The Commerce Trust Company, the 22nd largest family office in the world by assets. December 2015
Moody's Moody's ranks Commerce Bank among the top 10 banks in the country with a baseline credit assessment (BCA) of a1. BCA reflects a bank’s standalone credit strength. December 2015
The Nilson Report Commerce Bank is consistently ranked among the top issuers in the Nilson Report. Current rankings include:
  • #7 Purchasing Card Issuer
  • #12 Merchant Acquirer (excluding non-banks)
  • #15 Commercial Card Issuer
  • #19 Consumer Card Issuer (excluding non-banks)
  • #35 Debit Card Issuer
June 2015
National Automated Clearinghouse Association (NACHA) NACHA, The Electronic Payments Association®, recognized Commerce Bank as a peer group leader for its commitment to educating and maintaining Accredited ACH Professionals (AAP's) in the $10 to $100 billion asset size group. The recognition is part of the AAP benchmarking framework for 2014. April 2015
ABA Banking Journal Commerce Bancshares, Inc. is number ten on ABA Banking Journal magazine's list of Top Performing Big Banks with total assets of $10 billion or more. April 2014
Lipper For two consecutive years, in 2013 and 2014, Commerce Investment Advisors received the highest rating in the Best Fixed Income Small Fund Group by Lipper, the leading provider of mutual fund information. March 2014
Barron's 400 Index Commerce Bancshares has been selected to the Barron's 400 Index and is among only 6% of all North American publicly traded companies. The index collects the most fundamentally sound and attractively priced stocks from all corners of the market using a proven and disciplined stock selection process. October 2013

1 SNL Financial; ranking as of September 30, 2015.
2 As of December 31, 2015.
Note: Information in this document reflects data as of 12/31/15 unless otherwise noted.

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