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. See how liquid is Commerce Bancshares Inc's working capital to evaluate short-term liquidity relative to the company's equity base.
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. For the complete balance sheet picture, see Commerce Bancshares Inc assets under control.
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. Explore Commerce Bancshares Inc long-term investment intensity to see how much of total assets are deployed in long-term investments.
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 |
|---|---|---|
|
Santander Bank Polska S.A.
WAR:SPL |
Banks - Regional | 4.41% |
|
Banco Santander Chile
NYSE:BSAC |
Banks - Regional | 7.94% |
|
Bank of Baroda
NSE:BANKBARODA |
Banks - Regional | -12.63% |
|
Turkiye Is Bankasi AS Class C
IS:ISCTR |
Banks - Regional | -38.78% |
|
Ringkjoebing Landbobank A/S
CO:RILBA |
Banks - Regional | 0.03% |
|
ABSA Bank Limited
JSE:ABSP |
Banks - Regional | 2.72% |
|
Mechanics Bank
NASDAQ:MCHB |
Banks - Regional | 18.39% |
|
Laurentian Bank Of Canada
TO:LB |
Banks - Regional | 0.55% |
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 | -- |
About 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