# Commerce Bancshares competitors: and the alternatives

Source: https://www.bankingnewsai.com/banks/commerce/competitors
Last updated: Oct 20, 2026

*Part of the [Commerce Bancshares AI strategy profile](https://www.bankingnewsai.com/banks/commerce). Peer group: UMB Financial, Central Bancompany, BOK Financial Corporation, Associated Banc-Corp, Cullen/Frost Bankers, Wintrust Financial Corporation, Old National Bancorp, First Interstate BancSystem.*

## Who are Commerce Bancshares's competitors, and what are the alternatives?

Commerce's 2025 10-K, filed February 24, 2026, lists banks, credit unions, brokerage, mortgage, insurance and trust companies, private equity firms, leasing companies, financial technology companies and e-commerce companies among its competitors, and says it holds about 10% of deposits in Kansas City and about 7% in St. Louis, its two largest markets, from 140 branches across Missouri, Kansas, central Illinois, Tulsa, Oklahoma City and Denver. FDIC data for June 30, 2025 put UMB, headquartered a few miles away, first in Kansas City by booked deposits, with U.S. Bancorp and Bank of America next behind Commerce; in St. Louis, Stifel's headquarters-booked deposits, U.S. Bancorp and Bank of America lead, with Enterprise Financial and Regions behind Commerce. Central Bancompany plans eight new branches in St. Louis, Kansas City and Denver. In Oklahoma, BOK Financial is the largest institution with 14% of state deposits. Commerce's commercial segment, which earned 48% of segment pre-tax income in 2025, is where non-banks bite: its $9.9 billion of commercial card volume competes with U.S. Bancorp, one of the largest corporate card providers, and with corporate-card fintechs, Ramp and Brex, now part of Capital One. In wealth, Commerce Trust's $81.6 billion of client assets meets St. Louis-based Stifel, whose 10-K counts more than 2,200 financial advisors. ([Commerce Bancshares (SEC filings)](https://www.sec.gov/Archives/edgar/data/22356/000002235626000069/cbsh-20251231.htm), [Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=MSABR:28140%20AND%20YEAR:2025&fields=NAMEFULL,DEPSUMBR,RSSDHCR,NAMEHCR&limit=10000), [Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=MSABR:41180%20AND%20YEAR:2025&fields=NAMEFULL,DEPSUMBR,RSSDHCR,NAMEHCR&limit=10000), [Central Bancompany (SEC filings)](https://www.sec.gov/Archives/edgar/data/2065601/000162828026021067/cbci-20251231.htm), [BOK Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/875357/000087535726000013/bokf-20251231.htm), [Commerce Bancshares](https://investor.commercebank.com/files/doc_financials/2025/q4/CBSH-Q4-2025-Investor-Update.pdf), [U.S. Bancorp via SEC EDGAR](https://www.sec.gov/Archives/edgar/data/36104/000003610426000011/usb-20251231.htm), [Ramp](https://ramp.com/blog/introducing-accounts-receivable), [Capital One](https://www.capitalone.com/about/newsroom/capital-one-completes-acquisition-of-brex/), [Stifel Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/720672/000119312526067130/sf-20251231.htm))

## What does Commerce say about its competition?

"The Company operates in the highly competitive environment of financial services. The Company regularly faces competition from banks, credit unions, brokerage companies, mortgage companies, insurance companies, trust companies, private equity firms, leasing companies, securities brokers and dealers, financial technology companies, e-commerce companies, investment management companies, and other companies providing financial services. Some of these competitors are not subject to the same regulatory restrictions as domestic banks and bank holding companies. Some other competitors are significantly larger than the Company, and therefore have greater economies of scale, greater financial resources, higher lending limits, and may offer products and services that the Company does not provide." ([Commerce Bancshares (SEC filings)](https://www.sec.gov/Archives/edgar/data/22356/000002235626000069/cbsh-20251231.htm))

"The Company competes by providing a broad offering of products and services to support the needs of customers, matched with a strong commitment to customer service. The Company also competes based on quality, innovation, convenience, reputation, industry knowledge, and price. In its two largest markets, the Company has approximately 10% of the deposit market share in Kansas City and approximately 7% of the deposit market share in St. Louis." ([Commerce Bancshares (SEC filings)](https://www.sec.gov/Archives/edgar/data/22356/000002235626000069/cbsh-20251231.htm))

From the risk factors of the same 10-K: "As consolidation occurs, larger regional and national banks may enter the Company's markets and add to existing competition. Large, national financial institutions have substantial capital, technology and marketing resources. These new competitors may lower fees to grow market share, which could result in a loss of customers and lower fee revenue for the Company." And: "Many of the Company's competitors have substantially greater resources to invest in technological improvements." (2025 Form 10-K, filed February 24, 2026.) ([Commerce Bancshares (SEC filings)](https://www.sec.gov/Archives/edgar/data/22356/000002235626000069/cbsh-20251231.htm))

## Who competes with Commerce in each of its businesses?

| Business line | Competitor | Type | Why it competes |
| --- | --- | --- | --- |
| Home region: Kansas City, St. Louis and the lower Midwest | [UMB Financial](https://www.bankingnewsai.com/banks/umb) | Bank | Headquartered in Kansas City, Missouri, UMB held 35.7% of Kansas City MSA deposits by FDIC data (June 30, 2025), much of it booked at its headquarters, against Commerce's 10.0%; its Heartland deal took it from 93 to 193 branches and from 8 to 13 states. ([UMB Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/101382/000119312526076496/umbf-20251231.htm), [Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=MSABR:28140%20AND%20YEAR:2025&fields=NAMEFULL,DEPSUMBR,RSSDHCR,NAMEHCR&limit=10000), [American Banker](https://www.americanbanker.com/news/2025-the-most-powerful-women-to-watch-no-15-uma-wilson-umb-bank)) |
| Home region: Kansas City, St. Louis and the lower Midwest | [U.S. Bancorp](https://www.bankingnewsai.com/banks/us-bancorp) | Bank | Holds 13.0% of St. Louis MSA deposits through 73 branches and 5.5% of Kansas City's through 38 (FDIC, June 30, 2025), more branches in St. Louis than any other bank in the top 12. ([Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=MSABR:41180%20AND%20YEAR:2025&fields=NAMEFULL,DEPSUMBR,RSSDHCR,NAMEHCR&limit=10000), [Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=MSABR:28140%20AND%20YEAR:2025&fields=NAMEFULL,DEPSUMBR,RSSDHCR,NAMEHCR&limit=10000)) |
| Home region: Kansas City, St. Louis and the lower Midwest | [Central Bancompany](https://www.bankingnewsai.com/banks/central-bancompany) | Bank | Missouri-based Central Bank names Kansas City, St. Louis, Denver, Tulsa and Oklahoma City as expansion markets, all Commerce markets, and plans eight new branches in St. Louis, Kansas City and Denver; it held 2.8% of Kansas City deposits with 47 branches (FDIC). ([Central Bancompany (SEC filings)](https://www.sec.gov/Archives/edgar/data/2065601/000162828026021067/cbci-20251231.htm), [Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=MSABR:28140%20AND%20YEAR:2025&fields=NAMEFULL,DEPSUMBR,RSSDHCR,NAMEHCR&limit=10000)) |
| Home region: Kansas City, St. Louis and the lower Midwest | [Enterprise Financial Services](https://www.bankingnewsai.com/banks/enterprise-bank) | Bank | Headquartered in Missouri with most loans in the St. Louis and Kansas City areas among others, Enterprise held 4.0% of St. Louis MSA deposits (FDIC, June 30, 2025), fifth behind Commerce. ([Enterprise Financial Services Corp (SEC filings)](https://www.sec.gov/Archives/edgar/data/1025835/000102583526000058/efsc-20251231.htm), [Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=MSABR:41180%20AND%20YEAR:2025&fields=NAMEFULL,DEPSUMBR,RSSDHCR,NAMEHCR&limit=10000)) |
| Home region: Kansas City, St. Louis and the lower Midwest | [BOK Financial](https://www.bankingnewsai.com/banks/bok-financial) | Bank | In Tulsa and Oklahoma City, where Commerce has offices, BOK Financial holds 33% and 13% of deposits and is the largest institution in Oklahoma with 14% of state deposits; it also has about 1% in Kansas City (FDIC data cited in its 10-K). ([BOK Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/875357/000087535726000013/bokf-20251231.htm), [Commerce Bancshares (SEC filings)](https://www.sec.gov/Archives/edgar/data/22356/000002235626000069/cbsh-20251231.htm)) |
| Home region: Kansas City, St. Louis and the lower Midwest | [Regions Financial](https://www.bankingnewsai.com/banks/regions) | Bank | Runs 59 branches in the St. Louis MSA with 3.4% of deposits (FDIC, June 30, 2025), the second-largest St. Louis branch count after U.S. Bancorp among the top banks. ([Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=MSABR:41180%20AND%20YEAR:2025&fields=NAMEFULL,DEPSUMBR,RSSDHCR,NAMEHCR&limit=10000)) |
| Retail deposits, checking and everyday digital banking | [Bank of America](https://www.bankingnewsai.com/banks/bank-of-america) | Bank | Holds 12.5% of St. Louis and 5.4% of Kansas City deposits (FDIC, June 30, 2025), a large national bank of the kind Commerce's 10-K says has substantial capital, technology and marketing resources; 60 million clients use its digital tools. ([Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=MSABR:41180%20AND%20YEAR:2025&fields=NAMEFULL,DEPSUMBR,RSSDHCR,NAMEHCR&limit=10000), [Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=MSABR:28140%20AND%20YEAR:2025&fields=NAMEFULL,DEPSUMBR,RSSDHCR,NAMEHCR&limit=10000), [Commerce Bancshares (SEC filings)](https://www.sec.gov/Archives/edgar/data/22356/000002235626000069/cbsh-20251231.htm), [Bank of America Newsroom](https://newsroom.bankofamerica.com/content/newsroom/company-overview/bank-of-america-fast-facts.html)) |
| Retail deposits, checking and everyday digital banking | [Chime](https://www.bankingnewsai.com/fintech/chime) | Fintech | One of the financial technology companies Commerce's 10-K names as a competitor class; Chime claims a significant cost advantage over traditional banks by avoiding branches, and had 10.4 million active members at June 30, 2026. ([Commerce Bancshares (SEC filings)](https://www.sec.gov/Archives/edgar/data/22356/000002235626000069/cbsh-20251231.htm), [Chime via SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1795586/000179558626000013/chym-20251231.htm), [Chime](https://investors.chime.com/news-releases/news-release-details/chime-reports-second-quarter-2026-financial-results)) |
| Retail deposits, checking and everyday digital banking | Credit unions in the footprint | Credit union | Commerce's 10-K lists credit unions among the competitors it regularly faces, and notes that some competitors are not subject to the same regulatory restrictions as banks. ([Commerce Bancshares (SEC filings)](https://www.sec.gov/Archives/edgar/data/22356/000002235626000069/cbsh-20251231.htm)) |
| Commercial cards, payables and receivables | [U.S. Bancorp](https://www.bankingnewsai.com/banks/us-bancorp) | Bank | U.S. Bancorp's 10-K calls it one of the largest providers of corporate and purchasing card services in the United States; Commerce reported $9.9 billion of commercial card volume in 2025 and sells purchasing and virtual cards through CommercePayments. ([U.S. Bancorp via SEC EDGAR](https://www.sec.gov/Archives/edgar/data/36104/000003610426000011/usb-20251231.htm), [Commerce Bancshares](https://investor.commercebank.com/files/doc_financials/2025/q4/CBSH-Q4-2025-Investor-Update.pdf), [Commerce Bank](https://commercebank.com/corporate/solutions/payments-treasury/payables/commercial-cards)) |
| Commercial cards, payables and receivables | [Ramp](https://www.bankingnewsai.com/fintech/ramp) | Fintech | Ramp sells corporate cards with AI agents for accounts payable and, since September 2026, an Accounts Receivable product that drafts invoices, prepares collections reminders and matches payments, the same jobs as Commerce's receivables automation for clients. ([Ramp](https://ramp.com/blog/ramp-ap-agents-announcement), [Ramp](https://ramp.com/blog/introducing-accounts-receivable), [Commerce Bank](https://commercebank.com/business/trends-and-insights/2025/banking-on-a-mission)) |
| Commercial cards, payables and receivables | [Brex (Capital One)](https://www.bankingnewsai.com/banks/capital-one) | Fintech | Brex's commercial card and AI agents became Fifth Third's default commercial card in December 2025, and Capital One completed its purchase of Brex on April 7, 2026 with about 35,000 clients, putting a large bank behind a corporate-card fintech. ([Brex](https://www.brex.com/journal/press/brex-announces-partnership-with-fifth-third-bank), [Capital One](https://www.capitalone.com/about/newsroom/capital-one-completes-acquisition-of-brex/)) |
| Commercial cards, payables and receivables | [Square (Block)](https://www.bankingnewsai.com/fintech/block) | Payments company | Block's 10-K lists banks that provide payment processing among Square's competitors; Commerce's commercial segment sells merchant card products and processed $8.1 billion of merchant volume in 2025. ([Block, Inc. via SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1512673/000162828026012254/xyz-20251231.htm), [Commerce Bancshares (SEC filings)](https://www.sec.gov/Archives/edgar/data/22356/000002235626000069/cbsh-20251231.htm), [Commerce Bancshares](https://investor.commercebank.com/files/doc_financials/2025/q4/CBSH-Q4-2025-Investor-Update.pdf)) |
| Wealth management, trust and brokerage | [Stifel Financial](https://www.bankingnewsai.com/banks/stifel-bank) | Broker or asset manager | Headquartered in St. Louis, Stifel calls itself a full-service wealth management and investment banking firm with more than 2,200 financial advisors in 402 branch offices; its 10-K says it faces increasing competition from commercial banks. ([Stifel Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/720672/000119312526067130/sf-20251231.htm)) |
| Wealth management, trust and brokerage | [UMB Financial (wealth and asset servicing)](https://www.bankingnewsai.com/banks/umb) | Bank | UMB's 10-K lists investment advisors, asset managers, mutual funds and trust companies among its competitors and says investment advisory services compete on returns, expenses and reputation; Commerce Trust administers $81.6 billion of client assets. ([UMB Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/101382/000119312526076496/umbf-20251231.htm), [Commerce Bancshares](https://investor.commercebank.com/files/doc_financials/2025/q4/CBSH-Q4-2025-Investor-Update.pdf)) |
| Wealth management, trust and brokerage | [BOK Financial (wealth)](https://www.bankingnewsai.com/banks/bok-financial) | Bank | BOK Financial's 10-K names investment advisory firms, brokerage firms and investment companies among its competitors; its trust team uses Vanilla for initial trust reviews, an area where Commerce says it is actively exploring AI tools. ([BOK Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/875357/000087535726000013/bokf-20251231.htm), [Vanilla (vendor case study)](https://justvanilla.com/customer-stories/how-bok-financial-uses-vanilla-to-review-trusts-faster), [Commerce Bancshares](https://commercebank.com/-/media/cb/pdf/about-us/annual-reports/2025annualreport.pdf)) |
| Middle-market advisory and capital markets | [Stifel (investment banking)](https://www.bankingnewsai.com/banks/stifel-bank) | Broker or asset manager | Commerce bought Nolan & Associates, a St. Louis middle-market investment bank, closing October 1, 2026; Stifel, also based in St. Louis, describes itself as one of the nation's leading investment banking firms. ([American Banker](https://americanbanker.com/news/commerce-to-acquire-boutique-middle-market-investment-bank), [Yahoo Finance (Commerce Bank via Business Wire)](https://finance.yahoo.com/small-business/articles/commerce-bank-completes-acquisition-investment-110000160.html), [Stifel Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/720672/000119312526067130/sf-20251231.htm)) |

## How do the AI and digital offerings of Commerce's competitors compare?

Commerce first, then each competitor. Use-case counts, index scores and latest moves are computed from our profiles of each company; "No profile" means this site has no page on it yet.

| Company | AI or digital offering | On the record (our profiles) | Latest dated AI move |
| --- | --- | --- | --- |
| [Commerce Bancshares (this page)](https://www.bankingnewsai.com/banks/commerce) | Enterprise data strategy with an AI pillar; receivables automation for commercial clients ([Commerce Bancshares](https://commercebank.com/-/media/cb/pdf/about-us/annual-reports/2025annualreport.pdf), [Commerce Bank](https://commercebank.com/business/trends-and-insights/2025/banking-on-a-mission), [Commerce Bank](https://commercebank.com/business/trends-and-insights/2025/iowa-based-electrical-contractor-reduces-payment-processing-time), [Commerce Bank](https://commercebank.com/personal/ideas-and-tips/2024/how-to-stay-safe-from-ai-powered-fraud)) | [Index 34 (#84); 10 use cases, 6 in production](https://www.bankingnewsai.com/banks/commerce) | Nolan & Associates acquisition completed (Oct 1, 2026) ([Yahoo Finance (Commerce Bank via Business Wire)](https://finance.yahoo.com/small-business/articles/commerce-bank-completes-acquisition-investment-110000160.html)) |
| [UMB Financial](https://www.bankingnewsai.com/banks/umb) | AI named in the board risk committee's remit; seven AI mentions in its FY2025 10-K ([UMB Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/101382/000119312526103203/d82141ddef14a.htm), [UMB Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/101382/000119312526076496/umbf-20251231.htm)) | [Index 47.9 (#61); 10 use cases, 9 in production](https://www.bankingnewsai.com/banks/umb) | 'Playing with the big boys' (Aug 20, 2026) ([CNBC](https://www.cnbc.com/2026/08/20/a-regional-bank-will-rally-by-playing-with-the-big-boys-jpmorgan-says.html)) |
| [U.S. Bancorp](https://www.bankingnewsai.com/banks/us-bancorp) | Smart Assistant: 2.5 million uses a month ([U.S. Bank](https://usbank.com/content/dam/usbank/en/documents/pdfs/about-us-bank/2025-annual-report.pdf)) | [Index 81.3 (#18); 18 use cases, 16 in production](https://www.bankingnewsai.com/banks/us-bancorp) | Venkatachari: from proving AI to industrializing it (Oct 7, 2026) ([Forbes (Yahoo Finance)](https://finance.yahoo.com/news/u-bank-industrializing-ai-132012524.html)) |
| [Central Bancompany](https://www.bankingnewsai.com/banks/central-bancompany) | Personetics AI-driven money-management insights in its mobile app ([Personetics](https://personetics.com/resource-center/how-personetics-and-central-bank-drive-customer-centered-banking)) | [Index 24.7 (#95); 11 use cases, 8 in production](https://www.bankingnewsai.com/banks/central-bancompany) | Q2 2026 10-Q: $12 million of core modernisation capitalised (Aug 14, 2026) ([Central Bancompany (SEC filings)](https://www.sec.gov/Archives/edgar/data/2065601/000162828026057081/cbci-20260630.htm)) |
| [Enterprise Financial Services](https://www.bankingnewsai.com/banks/enterprise-bank) | Automation journey on the existing technology framework ([Yahoo Finance](https://finance.yahoo.com/quote/EFSCP/earnings/EFSCP-Q2-2026-earnings_call-653692.html), [Enterprise Bank & Trust (Enterprise University)](https://enterprisebank.com/insights/eu-ai-ceo-business-imperative), [Enterprise Bank & Trust (Enterprise University)](https://enterprisebank.com/insights/eu-microsoft-copilot-transforming-everyday-work), [Enterprise Bank & Trust](https://enterprisebank.com/insights/automation-efficiency-resilience)) | [Index 34.4 (#83); 13 use cases, 10 in production](https://www.bankingnewsai.com/banks/enterprise-bank) | First banking partner in the AppFolio Stack Marketplace (Aug 6, 2026) ([Enterprise Bank & Trust](https://enterprisebank.com/insights/enterprise-bank-and-trust-announces-appfolio-partnership)) |
| [BOK Financial](https://www.bankingnewsai.com/banks/bok-financial) | Vanilla AI for initial trust reviews (vendor reports about four hours saved per review) ([Vanilla (vendor case study)](https://justvanilla.com/customer-stories/how-bok-financial-uses-vanilla-to-review-trusts-faster)) | [Index 41.8 (#69); 6 use cases, 4 in production](https://www.bankingnewsai.com/banks/bok-financial) | 18th for customer reputation (Aug 17, 2026) ([American Banker](https://www.americanbanker.com/news/top-banks-by-reputation-2026-customers)) |
| [Regions Financial](https://www.bankingnewsai.com/banks/regions) | In-house native app (July 2025) with personalized insights (July 2026); 2.7 million active mobile users ([Banking Dive](https://www.bankingdive.com/news/regions-mobile-app-dark-mode-data-insights-digital-reggie/808360/), [Business Wire via FT Markets](https://markets.ft.com/data/announce/detail?dockey=600-202607070900BIZWIRE_USPRX____20260707_BW935076-1), [PYMNTS](https://www.pymnts.com/earnings/2026/regions-banks-mobile-upgrade-drives-digital-transactions-to-80/)) | [Index 83.8 (#15); 15 use cases, 13 in production](https://www.bankingnewsai.com/banks/regions) | Core deposits planned for 2027 (Oct 6, 2026) ([ABA Banking Journal](https://bankingjournal.aba.com/2026/10/progressive-modernization-for-cores)) |
| [Bank of America](https://www.bankingnewsai.com/banks/bank-of-america) | Erica virtual assistant: more than 24.6 million clients helped ([Bank of America Newsroom](https://newsroom.bankofamerica.com/content/newsroom/company-overview/bank-of-america-fast-facts.html)) | [Index 97.3 (#1); 18 use cases, 16 in production](https://www.bankingnewsai.com/banks/bank-of-america) | Treasury, FinCEN and OCC impose $1.21 billion in AML and sanctions penalties (Oct 13, 2026) ([U.S. Department of the Treasury](https://home.treasury.gov/news/press-releases/sb0657), [Office of the Comptroller of the Currency](https://www.occ.gov/news-issuances/news-releases/2026/nr-occ-2026-89.html), [Banking Dive](https://bankingdive.com/news/bofa-fined-1-21-billion-over-aml-bsa-occ-treasury/832915)) |
| [Chime](https://www.bankingnewsai.com/fintech/chime) | Jade, an in-app AI financial partner available to some members ([Chime](https://help.chime.com/manage-money-56350c4d/jade-financial-partner-09a6e8e3/what-is-jade-financial-partner-d9c77341)) | [8 use cases, 6 in production](https://www.bankingnewsai.com/fintech/chime) | Agreement to acquire Stride Bank (Sep 8, 2026) ([Chime](https://investors.chime.com/news-releases/news-release-details/chime-announces-agreement-acquire-stride-bank)) |
| Credit unions in the footprint | Not disclosed | No profile | Not disclosed |
| [Ramp](https://www.bankingnewsai.com/fintech/ramp) | Three AI agents in Accounts Receivable; median 36 hours from invoice sent to paid (September 2026) ([Ramp](https://ramp.com/blog/introducing-accounts-receivable)) | [10 use cases, 5 in production](https://www.bankingnewsai.com/fintech/ramp) | $1.85 billion at a $60 billion valuation (Oct 15, 2026) ([TechCrunch](https://techcrunch.com/2026/10/15/ramp-reaches-60b-valuation-as-it-pushes-deeper-into-ai), [Ramp via PR Newswire](https://www.prnewswire.com/news-releases/ramp-reaches-60-billion-valuation-as-annualized-revenue-tops-2-billion-302909315.html)) |
| [Brex (Capital One)](https://www.bankingnewsai.com/banks/capital-one) | AI agents for expense and spend workflows; Brex in ChatGPT and Claude ([Brex](https://www.brex.com/journal/brex-in-chatgpt), [Brex](https://www.brex.com/journal/brex-connector-for-claude)) | [Index 86.9 (#9); 13 use cases, 13 in production](https://www.bankingnewsai.com/banks/capital-one) | Second on the Evident AI index for a fourth year (Oct 6, 2026) ([American Banker](https://www.americanbanker.com/news/jpmorganchase-still-tops-ai-ranking-as-big-bank-lead-widens), [Banking Dive](https://www.bankingdive.com/news/banks-ai-guardrails-accelerate/832216/)) |
| [Square (Block)](https://www.bankingnewsai.com/fintech/block) | Managerbot, an AI business agent for Square sellers ([Square](https://squareup.com/us/en/press/managerbot-open-beta)) | [7 use cases, 6 in production](https://www.bankingnewsai.com/fintech/block) | Q2 2026: Moneybot passes 1 million weekly engaged accounts (Aug 5, 2026) ([Block, Inc. via SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1512673/000119312526335117/d91486dex991.htm)) |
| [Stifel Financial](https://www.bankingnewsai.com/banks/stifel-bank) | Stifel's advisor-first AI stance and fund-banking-driven balance sheet ([Stifel Financial](https://stifel.com/investor-relations/DownloadEarningsReleaseFile?fiscalYear=2026&id=263), [TheStreet (Yahoo Finance)](https://finance.yahoo.com/technology/ai/articles/stifel-earnings-expose-wall-street-030700080.html), [Stifel](https://stifel.com/Newsletters/AdGraphics/InSight/Outlook/2026/Outlook2026_Artificial-Intelligence.pdf), [GuruFocus (Yahoo Finance)](https://finance.yahoo.com/news/stifel-financial-corp-sf-q2-210257050.html), [Stifel Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/720672/000119312526067130/sf-20251231.htm)) | [Index 6.5 (#104); 13 use cases, 12 in production](https://www.bankingnewsai.com/banks/stifel-bank) | CEO on CNBC: look at companies benefiting from AI, not just those building it (Oct 7, 2026) ([CNBC](https://cnbc.com/video/2026/10/07/stifel-ceo-ron-kruszewski-we-should-be-looking-at-companies-benefiting-from-ai-not-just-those-building-ai.html)) |
| [UMB Financial (wealth and asset servicing)](https://www.bankingnewsai.com/banks/umb) | Integration first: the Heartland systems conversion ([American Banker](https://www.americanbanker.com/news/2025-the-most-powerful-women-to-watch-no-15-uma-wilson-umb-bank), [American Banker](https://americanbanker.com/news/umbs-post-acquisition-systems-conversion-set-for-october), [UMB Financial](https://blog.umb.com/economy-ai-impacts-on-the-markets/)) | [Index 47.9 (#61); 10 use cases, 9 in production](https://www.bankingnewsai.com/banks/umb) | 'Playing with the big boys' (Aug 20, 2026) ([CNBC](https://www.cnbc.com/2026/08/20/a-regional-bank-will-rally-by-playing-with-the-big-boys-jpmorgan-says.html)) |
| [BOK Financial (wealth)](https://www.bankingnewsai.com/banks/bok-financial) | Not disclosed | [Index 41.8 (#69); 6 use cases, 4 in production](https://www.bankingnewsai.com/banks/bok-financial) | 18th for customer reputation (Aug 17, 2026) ([American Banker](https://www.americanbanker.com/news/top-banks-by-reputation-2026-customers)) |
| [Stifel (investment banking)](https://www.bankingnewsai.com/banks/stifel-bank) | Stifel's advisor-first AI stance and fund-banking-driven balance sheet ([Stifel Financial](https://stifel.com/investor-relations/DownloadEarningsReleaseFile?fiscalYear=2026&id=263), [TheStreet (Yahoo Finance)](https://finance.yahoo.com/technology/ai/articles/stifel-earnings-expose-wall-street-030700080.html), [Stifel](https://stifel.com/Newsletters/AdGraphics/InSight/Outlook/2026/Outlook2026_Artificial-Intelligence.pdf), [GuruFocus (Yahoo Finance)](https://finance.yahoo.com/news/stifel-financial-corp-sf-q2-210257050.html), [Stifel Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/720672/000119312526067130/sf-20251231.htm)) | [Index 6.5 (#104); 13 use cases, 12 in production](https://www.bankingnewsai.com/banks/stifel-bank) | CEO on CNBC: look at companies benefiting from AI, not just those building it (Oct 7, 2026) ([CNBC](https://cnbc.com/video/2026/10/07/stifel-ceo-ron-kruszewski-we-should-be-looking-at-companies-benefiting-from-ai-not-just-those-building-ai.html)) |

## Who should look beyond Commerce, and where?

| If you are | Look at | Why |
| --- | --- | --- |
| Customers who want an AI virtual assistant inside the banking app | [Bank of America (Erica) or U.S. Bank (Smart Assistant)](https://www.bankingnewsai.com/banks/bank-of-america) | Commerce discloses no customer AI assistant. Both banks rank above it in St. Louis deposits by FDIC data; Bank of America says Erica helps more than 24.6 million clients and U.S. Bank reports 2.5 million Smart Assistant uses a month. ([Commerce Bancshares](https://investor.commercebank.com/files/doc_financials/2025/q4/CBSH-Q4-2025-Investor-Update.pdf), [Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=MSABR:41180%20AND%20YEAR:2025&fields=NAMEFULL,DEPSUMBR,RSSDHCR,NAMEHCR&limit=10000), [Bank of America Newsroom](https://newsroom.bankofamerica.com/content/newsroom/company-overview/bank-of-america-fast-facts.html), [U.S. Bank](https://usbank.com/content/dam/usbank/en/documents/pdfs/about-us-bank/2025-annual-report.pdf)) |
| People who need branches outside Missouri, Kansas, central Illinois, Oklahoma and Colorado | [JPMorgan Chase or Bank of America](https://www.bankingnewsai.com/banks/jpmorgan-chase) | Commerce's 140 branch facilities are in those states, with commercial and wealth offices elsewhere. Chase reported 5,083 branches in 2025 and Bank of America runs 3,500 financial centers in more than 100 US markets. ([Commerce Bancshares (SEC filings)](https://www.sec.gov/Archives/edgar/data/22356/000002235626000069/cbsh-20251231.htm), [JPMorgan Chase & Co. (SEC filings)](https://www.sec.gov/Archives/edgar/data/19617/000162828026008131/jpm-20251231.htm), [Bank of America Newsroom](https://newsroom.bankofamerica.com/content/newsroom/company-overview/bank-of-america-fast-facts.html)) |
| Startups and finance teams that want a corporate card bundled with AI spend and receivables software | [Ramp or Brex (now Capital One)](https://www.bankingnewsai.com/fintech/ramp) | Commerce sells purchasing and virtual cards with expense-system data feeds and receivables automation. Ramp bundles cards with AI agents for payables and receivables, and Brex brings its card and agents under Capital One since April 2026. ([Commerce Bank](https://commercebank.com/corporate/solutions/payments-treasury/payables/commercial-cards), [Commerce Bank](https://commercebank.com/business/trends-and-insights/2025/banking-on-a-mission), [Ramp](https://ramp.com/blog/introducing-accounts-receivable), [Capital One](https://www.capitalone.com/about/newsroom/capital-one-completes-acquisition-of-brex/)) |
| Oklahoma customers who want the largest branch network in the state | [BOK Financial](https://www.bankingnewsai.com/banks/bok-financial) | Commerce serves Tulsa and Oklahoma City from a limited presence. BOK Financial is the largest financial institution in Oklahoma with 14% of state deposits, including 33% of Tulsa's and 13% of Oklahoma City's. ([Commerce Bancshares (SEC filings)](https://www.sec.gov/Archives/edgar/data/22356/000002235626000069/cbsh-20251231.htm), [BOK Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/875357/000087535726000013/bokf-20251231.htm)) |
| Customers who want a branchless, app-only checking account | [Chime](https://www.bankingnewsai.com/fintech/chime) | Commerce is a branch-based super-community bank. Chime's model avoids branches and ATMs, it had 10.4 million active members at June 30, 2026, and some members can use Jade, its in-app AI financial partner. ([Commerce Bancshares (SEC filings)](https://www.sec.gov/Archives/edgar/data/22356/000002235626000069/cbsh-20251231.htm), [Chime via SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1795586/000179558626000013/chym-20251231.htm), [Chime](https://investors.chime.com/news-releases/news-release-details/chime-reports-second-quarter-2026-financial-results), [Chime](https://help.chime.com/manage-money-56350c4d/jade-financial-partner-09a6e8e3/what-is-jade-financial-partner-d9c77341)) |

## Where does Commerce rank in Kansas City and St. Louis, and who is bigger?

Computed by this site from the FDIC Summary of Deposits as of June 30, 2025, grouped by holding company. Commerce's 10-K gives about 10% in Kansas City and about 7% in St. Louis on its own basis. UMB's and Stifel's shares include national deposits booked at their headquarters branches.

| Market | Commerce | Larger rivals | Next rivals |
| --- | --- | --- | --- |
| Kansas City MSA ($99.6 billion of deposits) | 2nd: 10.0%, 39 branches | UMB 35.7% (35 branches) | U.S. Bancorp 5.5% (38); Bank of America 5.4% (29); Valley View 3.0%; Capitol Federal 2.9%; Central Bancompany 2.8% (47) ([Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=MSABR:28140%20AND%20YEAR:2025&fields=NAMEFULL,DEPSUMBR,RSSDHCR,NAMEHCR&limit=10000), [Commerce Bancshares (SEC filings)](https://www.sec.gov/Archives/edgar/data/22356/000002235626000069/cbsh-20251231.htm)) |
| St. Louis MSA ($134.5 billion of deposits) | 4th: 5.9%, 39 branches | Stifel 21.1% (4 branches); U.S. Bancorp 13.0% (73); Bank of America 12.5% (32) | Enterprise Financial 4.0% (16); Regions 3.4% (59); PNC 2.2% (28); UMB 2.0% (14) ([Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=MSABR:41180%20AND%20YEAR:2025&fields=NAMEFULL,DEPSUMBR,RSSDHCR,NAMEHCR&limit=10000), [Commerce Bancshares (SEC filings)](https://www.sec.gov/Archives/edgar/data/22356/000002235626000069/cbsh-20251231.htm)) |
| Oklahoma (Tulsa and Oklahoma City) | Offices in both metros | BOK Financial: 33% of Tulsa and 13% of Oklahoma City deposits | Two nationwide banks, per BOK Financial's 10-K ([Commerce Bancshares (SEC filings)](https://www.sec.gov/Archives/edgar/data/22356/000002235626000069/cbsh-20251231.htm), [BOK Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/875357/000087535726000013/bokf-20251231.htm)) |

## Which Commerce segments face which rivals?

Segment shares of 2025 pre-tax income from Commerce's 10-K, with the scale figures from its February 2026 investor update.

| Segment | Share of 2025 segment pre-tax income | Scale disclosed | Main rivals on this page |
| --- | --- | --- | --- |
| Commercial (lending, cards, payments, treasury) | 48% | $9.9 billion commercial card volume; $8.1 billion merchant volume; 500+ hospital relationships in 48 states | U.S. Bancorp, Ramp, Brex (Capital One), Square, UMB ([Commerce Bancshares (SEC filings)](https://www.sec.gov/Archives/edgar/data/22356/000002235626000069/cbsh-20251231.htm), [Commerce Bancshares](https://investor.commercebank.com/files/doc_financials/2025/q4/CBSH-Q4-2025-Investor-Update.pdf)) |
| Retail Banking (branches, consumer lending, cards) | 28% | 82% digital penetration; 30% mobile deposit use | Bank of America, U.S. Bancorp, Central Bancompany, Chime, credit unions ([Commerce Bancshares (SEC filings)](https://www.sec.gov/Archives/edgar/data/22356/000002235626000069/cbsh-20251231.htm), [Commerce Bancshares](https://investor.commercebank.com/files/doc_financials/2025/q4/CBSH-Q4-2025-Investor-Update.pdf)) |
| Wealth (trust, brokerage, advisory) | 24% | $81.6 billion of trust assets under administration (December 31, 2025) | Stifel, UMB, BOK Financial ([Commerce Bancshares (SEC filings)](https://www.sec.gov/Archives/edgar/data/22356/000002235626000069/cbsh-20251231.htm), [Commerce Bancshares](https://investor.commercebank.com/files/doc_financials/2025/q4/CBSH-Q4-2025-Investor-Update.pdf)) |

## Common questions

### Is U.S. Bank a competitor of Commerce Bank?

Yes, in two places. U.S. Bancorp holds 13.0% of St. Louis and 5.5% of Kansas City deposits (FDIC, June 30, 2025), and its 10-K calls it one of the largest US providers of corporate and purchasing card services, the business behind Commerce's $9.9 billion of commercial card volume in 2025. U.S. Bank reports 2.5 million Smart Assistant uses a month. ([Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=MSABR:41180%20AND%20YEAR:2025&fields=NAMEFULL,DEPSUMBR,RSSDHCR,NAMEHCR&limit=10000), [Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=MSABR:28140%20AND%20YEAR:2025&fields=NAMEFULL,DEPSUMBR,RSSDHCR,NAMEHCR&limit=10000), [U.S. Bancorp via SEC EDGAR](https://www.sec.gov/Archives/edgar/data/36104/000003610426000011/usb-20251231.htm), [Commerce Bancshares](https://investor.commercebank.com/files/doc_financials/2025/q4/CBSH-Q4-2025-Investor-Update.pdf), [U.S. Bank](https://usbank.com/content/dam/usbank/en/documents/pdfs/about-us-bank/2025-annual-report.pdf))

### Is Central Bancompany a competitor of Commerce Bank?

Yes. Both are Missouri banks, and Central's 10-K names Kansas City, St. Louis, Denver, Tulsa and Oklahoma City, all Commerce markets, as expansion targets, with eight new branches planned in St. Louis, Kansas City and Denver. Central held 2.8% of Kansas City deposits with 47 branches (FDIC, June 30, 2025) and runs Personetics AI insights in its app. ([Central Bancompany (SEC filings)](https://www.sec.gov/Archives/edgar/data/2065601/000162828026021067/cbci-20251231.htm), [Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=MSABR:28140%20AND%20YEAR:2025&fields=NAMEFULL,DEPSUMBR,RSSDHCR,NAMEHCR&limit=10000), [Personetics](https://personetics.com/resource-center/how-personetics-and-central-bank-drive-customer-centered-banking))

### Who are Commerce Bank's biggest competitors?

In its two largest markets: UMB in Kansas City, and U.S. Bancorp, Bank of America and Stifel in St. Louis, by FDIC deposit data for June 30, 2025. Central Bancompany and Enterprise Financial are the Missouri regionals closest behind, and BOK Financial leads in Oklahoma. Commerce's 10-K also names credit unions, brokerages, trust companies and financial technology companies. ([Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=MSABR:28140%20AND%20YEAR:2025&fields=NAMEFULL,DEPSUMBR,RSSDHCR,NAMEHCR&limit=10000), [Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=MSABR:41180%20AND%20YEAR:2025&fields=NAMEFULL,DEPSUMBR,RSSDHCR,NAMEHCR&limit=10000), [Central Bancompany (SEC filings)](https://www.sec.gov/Archives/edgar/data/2065601/000162828026021067/cbci-20251231.htm), [Enterprise Financial Services Corp (SEC filings)](https://www.sec.gov/Archives/edgar/data/1025835/000102583526000058/efsc-20251231.htm), [BOK Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/875357/000087535726000013/bokf-20251231.htm), [Commerce Bancshares (SEC filings)](https://www.sec.gov/Archives/edgar/data/22356/000002235626000069/cbsh-20251231.htm))

### Is UMB a competitor of Commerce Bank?

Yes. Both are headquartered in Kansas City, Missouri; UMB held 35.7% of the metro's booked deposits and Commerce 10.0% at June 30, 2025 (FDIC). Both run commercial, payments and wealth businesses, and UMB's Heartland purchase took it to 193 branches in 13 states. On this site's AI index UMB scores 47.9 and Commerce 34. ([Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=MSABR:28140%20AND%20YEAR:2025&fields=NAMEFULL,DEPSUMBR,RSSDHCR,NAMEHCR&limit=10000), [UMB Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/101382/000119312526076496/umbf-20251231.htm), [American Banker](https://www.americanbanker.com/news/2025-the-most-powerful-women-to-watch-no-15-uma-wilson-umb-bank))

### Are Ramp and Brex competitors of Commerce Bank?

In commercial cards and payables, yes by product: Commerce reported $9.9 billion of commercial card volume in 2025, Ramp sells corporate cards with AI payables and receivables agents, and Brex, which powers Fifth Third's commercial card, became part of Capital One on April 7, 2026. Neither company names Commerce in the sources reviewed. ([Commerce Bancshares](https://investor.commercebank.com/files/doc_financials/2025/q4/CBSH-Q4-2025-Investor-Update.pdf), [Ramp](https://ramp.com/blog/introducing-accounts-receivable), [Brex](https://www.brex.com/journal/press/brex-announces-partnership-with-fifth-third-bank), [Capital One](https://www.capitalone.com/about/newsroom/capital-one-completes-acquisition-of-brex/))

### Who competes with Commerce Trust in wealth management?

St. Louis-based Stifel, with more than 2,200 financial advisors, UMB and BOK Financial, whose 10-Ks name investment advisors, asset managers and trust companies among their own competitors. Commerce Trust administered $81.6 billion of client assets at the end of 2025 and moved onto SS&C Advent's Genesis platform in June 2026. ([Stifel Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/720672/000119312526067130/sf-20251231.htm), [UMB Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/101382/000119312526076496/umbf-20251231.htm), [BOK Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/875357/000087535726000013/bokf-20251231.htm), [Commerce Bancshares](https://investor.commercebank.com/files/doc_financials/2025/q4/CBSH-Q4-2025-Investor-Update.pdf), [Yahoo Finance (SS&C via Business Wire)](https://finance.yahoo.com/markets/stocks/articles/commerce-trust-goes-live-ss-130000154.html))

### What are alternatives to Commerce Bank for small and mid-sized businesses?

In card acceptance, Square, whose 10-K lists banks that provide payment processing among its competitors; in spend management, Ramp and Brex; in the same markets, UMB, U.S. Bancorp and Enterprise Financial. Commerce itself offers merchant services, purchasing and virtual cards and AI-driven receivables automation. ([Block, Inc. via SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1512673/000162828026012254/xyz-20251231.htm), [Ramp](https://ramp.com/blog/ramp-ap-agents-announcement), [Capital One](https://www.capitalone.com/about/newsroom/capital-one-completes-acquisition-of-brex/), [Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=MSABR:28140%20AND%20YEAR:2025&fields=NAMEFULL,DEPSUMBR,RSSDHCR,NAMEHCR&limit=10000), [Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=MSABR:41180%20AND%20YEAR:2025&fields=NAMEFULL,DEPSUMBR,RSSDHCR,NAMEHCR&limit=10000), [Commerce Bank](https://commercebank.com/corporate/solutions/payments-treasury/payables/commercial-cards), [Commerce Bank](https://commercebank.com/business/trends-and-insights/2025/banking-on-a-mission))

### Who competes with Commerce Bank in St. Louis?

By FDIC deposit data for June 30, 2025: Stifel (21.1%, mostly deposits booked at its headquarters), U.S. Bancorp (13.0%, 73 branches) and Bank of America (12.5%) rank above Commerce's 5.9%; Enterprise Financial (4.0%), Regions (3.4%, 59 branches), PNC and UMB follow. Central Bancompany is adding St. Louis branches. ([Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=MSABR:41180%20AND%20YEAR:2025&fields=NAMEFULL,DEPSUMBR,RSSDHCR,NAMEHCR&limit=10000), [Central Bancompany (SEC filings)](https://www.sec.gov/Archives/edgar/data/2065601/000162828026021067/cbci-20251231.htm))

### Is Chime a competitor of Commerce Bank?

By category: Commerce's 10-K names financial technology companies among its competitors, and Chime's 10-K says its digital-first model gives it a cost advantage over traditional banks. Chime had 10.4 million active members at June 30, 2026. Neither company names the other. ([Commerce Bancshares (SEC filings)](https://www.sec.gov/Archives/edgar/data/22356/000002235626000069/cbsh-20251231.htm), [Chime via SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1795586/000179558626000013/chym-20251231.htm), [Chime](https://investors.chime.com/news-releases/news-release-details/chime-reports-second-quarter-2026-financial-results))

### Does Commerce compete with Stifel in investment banking?

Increasingly. Commerce completed its purchase of Nolan & Associates, a St. Louis middle-market investment bank, on October 1, 2026, and Stifel, also headquartered in St. Louis, calls itself one of the nation's leading wealth management and investment banking firms. ([American Banker](https://americanbanker.com/news/commerce-to-acquire-boutique-middle-market-investment-bank), [Yahoo Finance (Commerce Bank via Business Wire)](https://finance.yahoo.com/small-business/articles/commerce-bank-completes-acquisition-investment-110000160.html), [Stifel Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/720672/000119312526067130/sf-20251231.htm))

## Peers on this site

- [UMB Financial AI strategy](https://www.bankingnewsai.com/banks/umb) · [vs peers](https://www.bankingnewsai.com/banks/umb/vs-peers)
- [Central Bancompany AI strategy](https://www.bankingnewsai.com/banks/central-bancompany) · [vs peers](https://www.bankingnewsai.com/banks/central-bancompany/vs-peers)
- [BOK Financial Corporation AI strategy](https://www.bankingnewsai.com/banks/bok-financial) · [vs peers](https://www.bankingnewsai.com/banks/bok-financial/vs-peers)
- [Associated Banc-Corp AI strategy](https://www.bankingnewsai.com/banks/associated) · [vs peers](https://www.bankingnewsai.com/banks/associated/vs-peers)
- [Cullen/Frost Bankers AI strategy](https://www.bankingnewsai.com/banks/frost) · [vs peers](https://www.bankingnewsai.com/banks/frost/vs-peers)
- [Wintrust Financial Corporation AI strategy](https://www.bankingnewsai.com/banks/wintrust) · [vs peers](https://www.bankingnewsai.com/banks/wintrust/vs-peers)
- [Old National Bancorp AI strategy](https://www.bankingnewsai.com/banks/old-national) · [vs peers](https://www.bankingnewsai.com/banks/old-national/vs-peers)
- [First Interstate BancSystem AI strategy](https://www.bankingnewsai.com/banks/first-interstate) · [vs peers](https://www.bankingnewsai.com/banks/first-interstate/vs-peers)

## Sources

1. Commerce Bancshares, Inc. Annual Report on Form 10-K for 2025 — Commerce Bancshares (SEC filings), Feb 24, 2026. https://www.sec.gov/Archives/edgar/data/22356/000002235626000069/cbsh-20251231.htm
2. FDIC Summary of Deposits: Kansas City, MO-KS MSA, branch deposits as of June 30, 2025 (BankFind Suite API) — Federal Deposit Insurance Corporation, Jun 30, 2025. https://api.fdic.gov/banks/sod?filters=MSABR:28140%20AND%20YEAR:2025&fields=NAMEFULL,DEPSUMBR,RSSDHCR,NAMEHCR&limit=10000
3. FDIC Summary of Deposits: St. Louis, MO-IL MSA, branch deposits as of June 30, 2025 (BankFind Suite API) — Federal Deposit Insurance Corporation, Jun 30, 2025. https://api.fdic.gov/banks/sod?filters=MSABR:41180%20AND%20YEAR:2025&fields=NAMEFULL,DEPSUMBR,RSSDHCR,NAMEHCR&limit=10000
4. Central Bancompany, Inc. Annual Report on Form 10-K for the fiscal year ended December 31, 2025 — Central Bancompany (SEC filings), Mar 25, 2026. https://www.sec.gov/Archives/edgar/data/2065601/000162828026021067/cbci-20251231.htm
5. BOK Financial Corporation Annual Report on Form 10-K for the fiscal year ended December 31, 2025 — BOK Financial (SEC filings), Feb 18, 2026. https://www.sec.gov/Archives/edgar/data/875357/000087535726000013/bokf-20251231.htm
6. Commerce Bancshares, Inc. Investor Update, 4th Quarter 2025 — Commerce Bancshares, Feb 9, 2026. https://investor.commercebank.com/files/doc_financials/2025/q4/CBSH-Q4-2025-Investor-Update.pdf
7. U.S. Bancorp Annual Report on Form 10-K for 2025 — U.S. Bancorp via SEC EDGAR, Feb 23, 2026. https://www.sec.gov/Archives/edgar/data/36104/000003610426000011/usb-20251231.htm
8. Close the Gap Between Signed and Paid — Ramp, Sep 22, 2026. https://ramp.com/blog/introducing-accounts-receivable
9. Capital One completes acquisition of Brex — Capital One, Apr 7, 2026. https://www.capitalone.com/about/newsroom/capital-one-completes-acquisition-of-brex/
10. Stifel Financial Corp. Annual Report on Form 10-K for the fiscal year ended December 31, 2025 — Stifel Financial (SEC filings), Feb 24, 2026. https://www.sec.gov/Archives/edgar/data/720672/000119312526067130/sf-20251231.htm
11. UMB Financial Corporation Annual Report on Form 10-K for the fiscal year ended December 31, 2025 — UMB Financial (SEC filings), Feb 26, 2026. https://www.sec.gov/Archives/edgar/data/101382/000119312526076496/umbf-20251231.htm
12. The Most Powerful Women to Watch, No. 15, Uma Wilson, UMB Bank — American Banker, Sep 24, 2025. https://www.americanbanker.com/news/2025-the-most-powerful-women-to-watch-no-15-uma-wilson-umb-bank
13. Enterprise Financial Services Corp Annual Report on Form 10-K for the fiscal year ended December 31, 2025 — Enterprise Financial Services Corp (SEC filings), Feb 27, 2026. https://www.sec.gov/Archives/edgar/data/1025835/000102583526000058/efsc-20251231.htm
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