COMMERCE BANK
BANK
INSUFFICIENT VOLUME · DIRECTIONAL ONLY
Data last verified: April 2026 snapshot|19 federal data sources|Methodology ›
Complaint rate · per 1,000 customersscale 0–10
05100.34PER 1,000 CUSTOMERS
Sector median 0.48 · Lowest in dataset 0.21
Complaint volume is below the threshold for confident scoring — position against peers shown is directional only.
Methodological confidence: MEDIUM · n=883 complaints over 14 years
Customer ratio
1 in 2,938
customers filed a federal complaint
Resolved with relief
16%
received monetary or non-monetary relief
Daily volume
0.2
complaints per day · 2011–2025 average
1.6× the rate of WEBSTER BANK, NATIONAL ASSOCIATION (lowest); 0.7× the sector median.
24-month trajectory · monthly complaint rate
24MO AGOTODAY0.00660.00
Where complaints concentrate · top 3 product categories
Checking & savings
0.12/1k
307
Credit cards
0.09/1k
244
Money transfers
0.06/1k
145
TOTAL COMPLAINTS
883
2011–2025
YEAR-ON-YEAR
↑ 19%
above baseline · 0.4414
RESOLUTION RATE
16%
below CFPB median
SHADOW RATE
~7/1k
directional
FEDERAL CONSENSUS
1 / 6
agencies on record
5 nearest rates in scored dataset
BANCO POPULAR DE PUERTO RICO
0.28/1k
MECHANICS BANK
0.29/1k
GOLDMAN SACHS BANK USA
0.30/1k
▸ COMMERCE BANK
0.34/1k
HUNTINGTON NATIONAL BANK, THE
0.39/1k
Complaint Coach
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Federal data sources
CFPB↗OCC↗FDIC↗FTC↗Independent analysis · not affiliated with any government agency
WHAT THIS MEANS FOR YOU

COMMERCE BANK is a low-risk institution based on federal complaint data.

At 0.34 complaints per 1,000 customers, this institution is below our low-risk threshold of 0.50 — placing it among the better performers in our dataset of 2,333 scored US financial institutions. Complaint rates are normalised for institution size, so this score is directly comparable across banks large and small.

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Always review your specific product category and the complaint breakdown below, as overall rates can mask issues in specific areas like credit cards or mortgages.

Most common words in federal complaints about COMMERCE BANK
checknevermoneybecauseagainpayclosedbranchonlyfunds
Extracted from 364 consumer complaint narratives · CFPB database
Complaint Profile
Rate / 1,000 customersⓘCFPB complaints per 1,000 estimated customers. Normalised for institution size — directly comparable across all banks. National median ≈ 0.30.0.34/1k
Total complaints (2011–2025)ⓘTotal complaints filed with the CFPB since 2011. Use the rate above for a fair cross-institution comparison.883
Year-on-year changeⓘChange in complaint volume versus the prior 12 months. A rising rate is a warning sign even if the absolute level appears manageable.+19%worsening
Timely response rateⓘ% of CFPB complaints answered within the required timeframe. Below 90% indicates the institution is failing basic regulatory obligations.98.2%
Complaint rate normalised per 1,000 estimated customers. Lower is better. National median ≈ 0.30/1k for well-rated institutions.
Regulatory Enforcement Record
OCC (Office of the Comptroller)$58K
Federal Reserve
CFPB (Consumer Financial)
FinCEN (Anti-money laundering)
FTC (Federal Trade Commission)
HUD (Mortgage Review Board)
GSE Suspension
● Red dot = active or recent enforcement action by that federal agency. This means regulators found systemic problems serious enough to take formal action.
Financial Health Indicators
Net charge-off rateⓘLoans written off as unrecoverable as a % of total loans. Above 2% is elevated; above 1% warrants monitoring. Source: FDIC Call Report Q4 2025.-0.01%✓ healthy
Tier 1 capital ratioⓘCore capital as a % of risk-weighted assets. Regulatory minimum ≈10%. Higher means a stronger buffer against losses and financial stress.16.0%✓ adequate buffer
Loan loss reserve ratioⓘFunds set aside to cover anticipated loan losses. Higher reserves suggest the institution expects deteriorating credit quality ahead.1.70%
FDIC Call Report data · Q4 2025. NCO rate = loans written off as unrecoverable. Tier 1 = core capital buffer against losses (regulatory minimum ≈ 10%).
TARP government bailout$3M
HMDA Mortgage Fair Lending· 2023
Mortgage denial rateⓘOverall mortgage application denial rate. Includes home purchase, refinance, and home improvement loans. Source: FFIEC HMDA data.20.9%
Denial rate — White applicants34.6%
Denial rate — Black applicants55.4%
Denial rate — Hispanic applicants20.9%
Racial disparity indexⓘBlack applicant denial rate divided by White applicant denial rate. 1.0 = equal treatment. Above 1.5 = significant disparity flagged in fair lending research. Source: FFIEC HMDA.1.60×↑ significant disparity
Based on 1,505 mortgage applications· FFIEC HMDA 2023
Top Complaint Categories
Managing an account1910%
Account opening, closing, or management550%
Incorrect information on your report470%
Breakdown of complaint types filed with the CFPB by customers of this institution. Use this to understand which products or services generate the most problems.
Timely response rate98.2%✓ good
% of CFPB complaints answered within the required timeframe. Below 90% is a warning sign.
Risk Flags
⚑Received TARP government bailout: $3M
Data Sources Used (23 Layers)
●CFPB Complaints
●OCC Enforcement
●Fed Enforcement
●CFPB Enforcement
●FinCEN / AML
●FDIC Failures
●HMDA Denial Rates
●CRA Rating
●TARP Bailout
●Call Report (NCO/T1)
●DFAST Stress Test
●FTC Enforcement
●HUD MRB
●GSE Suspension
Green = data available for this institution. Grey = source exists but no data for this institution in that category.
FULL DATA BREAKDOWN
COMPLAINT RATEⓘCFPB complaints per 1,000 estimated customers. Normalised for institution size — directly comparable across all banks. National median ≈ 0.30.
0.34/1k
National median ≈ 0.30/1k
Source: CFPB →
ⓘMedium confidence
TOTAL COMPLAINTS
883
2011–2025 · CFPB database
Source: CFPB →
TIMELY RESPONSE RATE
98.2%
Threshold: 90%+
Source: CFPB →
YEAR-ON-YEAR TRENDⓘChange in complaint volume versus the prior 12 months. A rising rate is a warning sign even if the absolute level appears manageable.
↑ 19%
Worsening trend
NET CHARGE-OFF RATEⓘLoans written off as unrecoverable as a % of total loans. Above 2% is elevated; above 1% warrants monitoring. Source: FDIC Call Report Q4 2025.
-0.01%
Loan losses written off
Source: FDIC Call Report →
TIER 1 CAPITAL RATIOⓘCore capital as a % of risk-weighted assets. Regulatory minimum ≈10%. Higher = stronger buffer against financial stress.
16.0%
Regulatory min ≈ 10%
Source: FDIC Call Report →
HMDA DENIAL RATEⓘ% of mortgage applications denied under Home Mortgage Disclosure Act data. High denial rates may indicate overly restrictive lending practices.
20.9%
Mortgage applications denied
Source: FFIEC HMDA →
RACIAL DISPARITY INDEXⓘRatio of denial rates for non-white vs white applicants. 1.0 = equal treatment; above 1.5 indicates significant disparity. Source: CFPB HMDA data.
1.60×
Non-white vs white denial ratio
Source: FFIEC HMDA →
CRA RATING
Satisfactory
Community Reinvestment Act · FFIEC
RESOLUTION QUALITY
16/100
Response quality score · CFPB
Source: CFPB →
BETTER-RATED ALTERNATIVES
Data from CFPB, OCC, Federal Reserve, FDIC, FinCEN, DOJ, FHFA, HUD, US Treasury, FFIEC and FTC public records. Complaint rates normalised per 1,000 estimated customers. Not financial advice. Methodology › · Privacy ›