Community Reinvestment Act

Commerce Bank is proud of our record demonstrating our commitment to meeting the needs of the communities we serve. Under the Community Reinvestment Act (CRA) certain information must be maintained and made available to the public by April 1 of each year as part of a public file.

If you have questions about the bank's CRA performance or would like a copy of the public file, please email us at CRA@CommerceBank.com. Upon request, the bank can provide paper copies and in accordance with the regulation, may charge a reasonable fee for the cost of copying and mailing (if applicable).

After merging with Commerce Bank on January 1, 2026, FineMark National Bank & Trust is now FineMark Bank & Trust, a Division of Commerce Bank. The materials listed on this page relate to Commerce Bank, headquartered at 1000 Walnut Street, Kansas City, Missouri.

CRA Public Files

Assessment Area Maps

• Commerce Bank Assessment Area Maps — All Regions opens in a new window^{[PDF]PDF footnote}

Branch Information

• Branches Opened and Closed opens in a new window^{[PDF]PDF footnote}
• Branches — Hours and Geographies opens in a new window^{[PDF]PDF footnote}

CRA Disclosure Statements

• Commerce Bank, 2024 CRA Disclosure Statement opens in a new window^{[PDF]PDF footnote}
• Commerce Bank, 2023 CRA Disclosure Statement opens in a new window^{[PDF]PDF footnote}
• FineMark Bank & Trust, 2024 CRA Disclosure Statement opens in a new window^{[PDF]PDF footnote}
• FineMark Bank & Trust, 2023 CRA Disclosure Statement opens in a new window^{[PDF]PDF footnote}

HMDA Disclosure Statements

• Commerce Bank, 2024 HMDA Disclosure Statement opens in a new window
• Commerce Bank, 2023 HMDA Disclosure Statement opens in a new window
• FineMark Bank & Trust, 2024 HMDA Disclosure Statement opens in a new window
• FineMark Bank & Trust, 2023 HMDA Disclosure Statement opens in a new window

CRA Performance Evaluation (PE)

• Commerce Bank, Performance Evaluation 04/07/2025 opens in a new window^{[PDF]PDF footnote}
• FineMark Bank & Trust, Performance Evaluation 01/13/2025 opens in a new window^{[PDF]PDF footnote}

Bank Products and Services

• Commerce Bank, Personal Products and Services links to a Commerce Bank page
• Commerce Bank, Business Products and Services, Fees and Charges links to a Commerce Bank page
• FineMark Bank & Trust, Personal Products and Services opens in a new window
• FineMark Bank & Trust, Business Products and Services opens in a new window
• Questions regarding transaction fees or cost of services should be directed to your nearest Commerce Bank opens in a new window or FineMark opens in a new window location.

Public Comments

• Commerce Bank, CRA Written Public Comments opens in a new window^{[PDF]PDF footnote}
• FineMark Bank & Trust, CRA Written Public Comments opens in a new window^{[PDF]PDF footnote}

MyMoney Program

• My Money Program (Financial Literacy Program for Individuals with Developmental Disabilities from the State of Florida):
  • Overview opens in a new window
  • Brochure opens in a new window^{[PDF]PDF footnote}