Commerce Bancshares Inc
Commerce Bancshares, Inc. operates as the bank holding company for Commerce Bank that provides retail, mortgage banking, corporate, investment, trust, and asset management products and services to individuals and businesses in the United States. It operates through three segments: Consumer, Commercial, and Wealth. The Consumer segment offers various banking products and services, including consum… Read more
Commerce Bancshares Inc - Asset Resilience Ratio
Commerce Bancshares Inc (CBSH) has an Asset Resilience Ratio of 27.63% as of December 2025. The Asset Resilience Ratio measures the percentage of a company's total assets that are held in liquid form (cash and short-term investments). This metric indicates how well-positioned the company is to handle unexpected financial challenges, economic downturns, or strategic opportunities without requiring external financing.
Liquid Assets
Total Assets
Resilience Assessment
Asset Resilience Ratio Trend (2000–2025)
This chart shows how Commerce Bancshares Inc's Asset Resilience Ratio has changed over time. Compare with other companies' asset resilience ratios.
Liquid Assets Composition Over Time
This chart breaks down Commerce Bancshares Inc's liquid assets into cash & equivalents and short-term investments, showing how the composition has evolved over time.
Current Liquid Assets Breakdown
| Component | Amount | % of Total Assets |
|---|---|---|
| Cash & Equivalents | $0.00 | 0% |
| Short-term Investments | $9.10 Billion | 27.63% |
| Total Liquid Assets | $9.10 Billion | 27.63% |
Asset Resilience Insights
- Very High Liquidity: Commerce Bancshares Inc maintains exceptional liquid asset reserves at 27.63% of total assets.
- This level provides strong protection against economic uncertainties but may indicate potential for more aggressive growth investments.
- The company has significant short-term investments, indicating active treasury management.
Commerce Bancshares Inc Industry Peers by Asset Resilience Ratio
Compare Commerce Bancshares Inc's asset resilience ratio with other companies in the same industry.
| Company | Industry | Asset Resilience Ratio |
|---|---|---|
|
Ping An Bank Co Ltd
SHE:000001 |
Banks - Regional | -6.06% |
|
Bank of Ningbo Co Ltd
SHE:002142 |
Banks - Regional | 6.40% |
|
Qingdao Rural Commercial Bank Corp Class A
SHE:002958 |
Banks - Regional | -13.48% |
|
Bank of Suzhou
SHE:002966 |
Banks - Regional | -8.31% |
|
Jeju Bank
KO:006220 |
Banks - Regional | 2.45% |
|
Industrial Bank Of Korea
KO:024110 |
Banks - Regional | 4.07% |
|
Hana Financial
KO:086790 |
Banks - Regional | 3.29% |
|
PT Bank Sinarmas Tbk
F:08S |
Banks - Regional | 3.70% |
Annual Asset Resilience Ratio for Commerce Bancshares Inc (2000–2025)
The table below shows the annual Asset Resilience Ratio data for Commerce Bancshares Inc.
| Year | Asset Resilience Ratio (%) | Liquid Assets | Total Assets | Change |
|---|---|---|---|---|
| 2025-12-31 | 27.63% | $9.10 Billion | $32.92 Billion | -0.92pp |
| 2024-12-31 | 28.56% | $9.14 Billion | $32.00 Billion | -1.99pp |
| 2023-12-31 | 30.55% | $9.68 Billion | $31.70 Billion | -7.84pp |
| 2022-12-31 | 38.39% | $12.24 Billion | $31.88 Billion | -0.99pp |
| 2021-12-31 | 39.39% | $14.45 Billion | $36.69 Billion | +1.57pp |
| 2020-12-31 | 37.81% | $12.45 Billion | $32.92 Billion | +4.93pp |
| 2019-12-31 | 32.88% | $8.57 Billion | $26.07 Billion | -0.65pp |
| 2018-12-31 | 33.53% | $8.54 Billion | $25.46 Billion | -1.80pp |
| 2017-12-31 | 35.33% | $8.77 Billion | $24.83 Billion | -2.30pp |
| 2016-12-31 | 37.63% | $9.65 Billion | $25.64 Billion | -2.10pp |
| 2015-12-31 | 39.74% | $9.78 Billion | $24.60 Billion | +0.04pp |
| 2014-12-31 | 39.69% | $9.52 Billion | $23.99 Billion | +1.05pp |
| 2013-12-31 | 38.64% | $8.92 Billion | $23.07 Billion | -4.33pp |
| 2012-12-31 | 42.97% | $9.52 Billion | $22.16 Billion | -1.70pp |
| 2011-12-31 | 44.67% | $9.22 Billion | $20.65 Billion | +4.63pp |
| 2010-12-31 | 40.05% | $7.41 Billion | $18.50 Billion | +4.32pp |
| 2009-12-31 | 35.72% | $6.47 Billion | $18.12 Billion | +14.16pp |
| 2008-12-31 | 21.56% | $3.78 Billion | $17.53 Billion | +1.21pp |
| 2007-12-31 | 20.35% | $3.30 Billion | $16.20 Billion | -2.61pp |
| 2006-12-31 | 22.96% | $3.50 Billion | $15.23 Billion | -4.20pp |
| 2005-12-31 | 27.15% | $3.77 Billion | $13.89 Billion | -6.79pp |
| 2004-12-31 | 33.95% | $4.84 Billion | $14.25 Billion | -1.33pp |
| 2003-12-31 | 35.27% | $5.04 Billion | $14.29 Billion | +3.15pp |
| 2002-12-31 | 32.12% | $4.28 Billion | $13.31 Billion | +3.30pp |
| 2001-12-31 | 28.83% | $3.72 Billion | $12.90 Billion | +26.65pp |
| 2000-12-31 | 2.18% | $241.84 Million | $11.12 Billion | -- |