COMMERCE BANK
BANK
INSUFFICIENT VOLUME · DIRECTIONAL ONLY
Data last verified: May 2026 snapshot|19 federal data sources|Methodology ›
Complaint rate · per 1,000 customersscale 0–10
05100.34PER 1,000 CUSTOMERS
Sector median 0.50 · Lowest in dataset 0.09
Complaint volume is below the threshold for confident scoring — position against peers shown is directional only.
Methodological confidence: MEDIUM · n=891 complaints over 14 years
Customer ratio
1 in 2,873
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
4.0× the rate of FIRST CITIZENS BANCSHARES, INC. (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
315
Credit cards
0.09/1k
238
Money transfers
0.05/1k
141
TOTAL COMPLAINTS
891
2011–2025
YEAR-ON-YEAR
↑ 19%
above baseline · 0.4414
RESOLUTION RATE
16%
below CFPB median
SHADOW RATE
~7/1k
directional
FEDERAL CONSENSUS
—
—
5 nearest rates in scored dataset
MECHANICS BANK
0.29/1k
BMO BANK NATIONAL ASSOCIATION
0.31/1k
GOLDMAN SACHS BANK USA
0.32/1k
▸ COMMERCE BANK
0.34/1k
HUNTINGTON NATIONAL BANK, THE
0.40/1k
Complaint Coach
File with CFPB
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Federal data sources
CFPBOCCFDICFTCFederal ReserveFinCENHUDDOJNCUATreasuryFFIECFHFA
Independent analysis · not affiliated with any government agency
WHAT THIS MEANS FOR YOU

Sample size sits below the confidence-tier threshold for normalised scoring.

CFPB complaint volume on file for this institution is below the threshold ComplaintRate methodology uses for confidence-tiered scoring — the Directional confidence tier captures institutions whose sample size is too thin for a reliable per-1,000-customer rate. Position against scored peers shown above is directional only. Sub-signal observations (timely response, enforcement record, complaint category distribution) remain on the federal record and render below where data is present.

FULL RECORD
Complaint Profile
Rate / 1,000 customers0.34/1k
Total complaints (2011–2025)891
Year-on-year change+19%worsening
Timely response rate98.2%
Complaint rate normalised per 1,000 estimated customers. National median ≈ 0.30/1k.
Financial Health Indicators
Net charge-off rate-0.01%✓ healthy
Tier 1 capital ratio16.0%✓ adequate buffer
Loan loss reserve ratio1.70%
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$3.00M
HMDA Mortgage Fair Lending · 2023
Mortgage denial rate20.9%
Denial rate by raceNot reportedInsufficient verified sample
Racial disparity indexNot reportedInsufficient data to report a reliable disparity figure
Based on 1,505 mortgage applications · FFIEC HMDA 2023
Regulatory Enforcement Record
No active or recent enforcement actions on file across the 6 tracked agencies. Each row links to that regulator’s source explainer.
Top Complaint Issues
Managing an account19%
Account opening, closing, or management5%
Incorrect information on your report5%
Breakdown of complaint issues filed with the CFPB by customers of this institution.
Methodological notes
Received TARP government bailout: $3M
Institution Status
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 ›