Commerce Bancshares (CBSH) Debt/Assets Ratio: History & Chart

Commerce Bancshares, Inc.(CBSH)

Banks - Regional · Kansas City, MO

$55.14-0.14 (-0.25%)

Delayed quote: Oct 5, 2026, 4:00 PM EDT

About Commerce Bancshares, Inc.

Commerce Bancshares, Inc. functions as the parent organization for Commerce Bank, delivering a comprehensive suite of financial products and services. These offerings span retail banking, mortgage services, corporate finance, investment solutions, trust administration, and asset management, catering to both individuals and businesses across the United States. Its operational structure is divided into three principal divisions: Consumer, Commercial, and Wealth Management. The Consumer division focuses on individual clients, providing essential banking services such as deposit accounts and a diverse range of personal loans. These include financing for automobiles, motorcycles, marine vehicles, tractor/trailers, recreational vehicles, fixed-rate and revolving home equity loans, and other personal credit products. This segment also facilitates patient healthcare funding, real estate loans, various indirect consumer financing options, personalized mortgage banking, installment lending, and consumer debit and credit cards. The Commercial segment offers robust support to businesses and institutional clients through corporate lending, equipment leasing, international banking, merchant and commercial card services, and secure securities safekeeping with bond accounting. It also manages specific business products, government deposit accounts, and extensive commercial cash management solutions. Additionally, this segment trades fixed-income securities to correspondent banks, corporate entities, public institutions, municipalities, and individual investors. Within the Wealth Management division, the company delivers traditional trust and estate planning, expert advisory and discretionary investment portfolio management, brokerage services, and exclusive private banking accounts. Beyond these core segments, Commerce Bancshares further offers private equity investment opportunities, securities brokerage, insurance agency functions, specialized lending, and additional leasing services. It also ensures convenient access to banking through its online and mobile platforms. The company maintains a significant physical presence with 287 branch locations distributed across Missouri, Kansas, Illinois, Oklahoma, and Colorado, complemented by several dedicated commercial offices. Established in 1865, Commerce Bancshares, Inc. is headquartered in Kansas City, Missouri.

Kansas City, MO

4,976 employees

www.commercebank.com

Financial Services / Banks - Regional

Sector: Financial Services
Industry: Banks - Regional
CEO: John W. Kemper

View full financials

CBSH Debt to Assets Ratio Metrics

DEBT TO ASSETS RATIO

6.96%

DEBT TO ASSETS RATIO AVG TTM

7.82%

DEBT TO ASSETS RATIO AVG 3Y

8.24%

DEBT TO ASSETS RATIO AVG 5Y

8.09%

DEBT TO ASSETS RATIO AVG 10Y

7.18%

DEBT TO ASSETS RATIO AVG 15Y

7.02%

DEBT TO ASSETS RATIO AVG 20Y

7.85%

CURRENT VS TTM AVG

-10.99%

CURRENT VS 3Y AVG

-15.49%

CURRENT VS 5Y AVG

-13.93%

CURRENT VS 10Y AVG

-3.14%

CURRENT VS 15Y AVG

-0.83%

CURRENT VS 20Y AVG

-11.39%

SECTOR MEDIAN · FINANCIAL SERVICES

0.06%

median of 369 covered companies

CURRENT VS SECTOR MEDIAN

+11499.28%

vs the sector median at left

NAME	MARKET CAP	DEBT TO ASSETS RATIO	TTM	3Y	5Y
Commerce Bancshares, Inc. (CBSH)	$8.04B	6.96%	7.82%	8.24%	8.09%
Columbia Banking System, Inc. (COLB)vs ›	$8.16B	0.07%	N/A	N/A	N/A
BOK Financial Corporation (BOKF)vs ›	$7.79B	0.09%	N/A	N/A	N/A
Central Bancompany (CBC)vs ›	$7.66B	0.04%	N/A	N/A	N/A
Kinsale Capital Group, Inc. (KNSL)vs ›	$7.57B	0.03%	N/A	N/A	N/A
Galaxy Digital (GLXY)vs ›	$7.51B	0.30%	N/A	N/A	N/A
TeraWulf Inc. (WULF)vs ›	$7.33B	0.65%	N/A	N/A	N/A
Voya Financial, Inc. (VOYA)vs ›	$8.89B	0.02%	N/A	N/A	N/A
Valley National Bancorp (VLY)vs ›	$7.07B	0.05%	N/A	N/A	N/A
FirstCash Holdings, Inc (FCFS)vs ›	$9.17B	0.49%	N/A	N/A	N/A

NAME

MARKET CAP

DEBT TO ASSETS RATIO

TTM

Commerce Bancshares, Inc. (CBSH)

$8.04B

6.96%

7.82%

8.24%

8.09%

Columbia Banking System, Inc. (COLB)vs ›

$8.16B

0.07%

N/A

BOK Financial Corporation (BOKF)vs ›

$7.79B

0.09%

N/A

Central Bancompany (CBC)vs ›

$7.66B

0.04%

N/A

Kinsale Capital Group, Inc. (KNSL)vs ›

$7.57B

0.03%

N/A

Galaxy Digital (GLXY)vs ›

$7.51B

0.30%

N/A

TeraWulf Inc. (WULF)vs ›

$7.33B

0.65%

N/A

Voya Financial, Inc. (VOYA)vs ›

$8.89B

0.02%

N/A

Valley National Bancorp (VLY)vs ›

$7.07B

0.05%

N/A

FirstCash Holdings, Inc (FCFS)vs ›

$9.17B

0.49%

N/A

Debt to Assets Ratio FAQ

What is the debt to assets ratio for Commerce Bancshares, Inc. (CBSH)?

The debt to assets ratio for CBSH stock is 6.96%.

Is Commerce Bancshares, Inc.'s debt to assets ratio high or low?

The debt to assets ratio of 6.96% is 14% below its 5-year average of 8.09%, near the low end of its 5-year range (6.54%–13.41%).

What is the TTM average debt to assets ratio for Commerce Bancshares, Inc. (CBSH)?

The TTM average debt to assets ratio for CBSH stock is 7.82%.

What is the 3Y average debt to assets ratio for Commerce Bancshares, Inc. (CBSH)?

The 3Y average debt to assets ratio for CBSH stock is 8.24%.

What is the 5Y average debt to assets ratio for Commerce Bancshares, Inc. (CBSH)?

The 5Y average debt to assets ratio for CBSH stock is 8.09%.

What is the 10Y average debt to assets ratio for Commerce Bancshares, Inc. (CBSH)?

The 10Y average debt to assets ratio for CBSH stock is 7.18%.

What is the 15Y average debt to assets ratio for Commerce Bancshares, Inc. (CBSH)?

The 15Y average debt to assets ratio for CBSH stock is 7.02%.

What is the 20Y average debt to assets ratio for Commerce Bancshares, Inc. (CBSH)?

The 20Y average debt to assets ratio for CBSH stock is 7.85%.

DATE	DEBT TO ASSETS RATIO
2026-06-30	6.96%
2026-03-31	7.24%
2025-12-31	9.12%
2025-09-30	7.69%
2025-06-30	8.09%
2025-03-31	7.47%
2024-12-31	9.15%
2024-09-30	6.96%
2024-06-30	8.36%
2024-03-31	8.26%
2023-12-31	9.18%
2023-09-30	10.35%
2023-06-30	11.83%
2023-03-31	13.41%
2022-12-31	8.95%
2022-09-30	7.11%
2022-06-30	6.70%
2022-03-31	6.65%
2021-12-31	8.27%
2021-09-30	6.54%
2021-06-30	6.85%
2021-03-31	5.84%
2020-12-31	6.38%
2020-09-30	5.26%
2020-06-30	5.71%
2020-03-31	8.15%
2019-12-31	7.11%
2019-09-30	7.34%
2019-06-30	9.31%
2019-03-31	6.89%
2018-12-31	7.72%
2018-09-30	7.44%
2018-06-30	4.80%
2018-03-31	4.64%
2017-12-31	6.08%
2017-09-30	6.05%
2017-06-30	5.42%
2017-03-31	5.62%
2016-12-31	7.12%
2016-09-30	6.43%
2016-06-30	7.03%
2016-03-31	4.33%
2015-12-31	8.40%
2015-09-30	9.58%
2015-06-30	7.47%
2015-03-31	7.13%
2014-12-31	8.20%
2014-09-30	6.61%
2014-06-30	5.47%
2014-03-31	4.52%
2013-12-31	6.30%
2013-09-30	8.31%
2013-06-30	7.87%
2013-03-31	5.53%
2012-12-31	5.36%
2012-09-30	6.52%
2012-06-30	6.83%
2012-03-31	6.01%
2011-12-31	6.62%
2011-09-30	5.67%
2011-06-30	7.12%
2011-03-31	5.44%
2010-12-31	5.92%
2010-09-30	9.96%
2010-06-30	7.46%
2010-03-31	9.59%
2009-12-31	10.15%
2009-09-30	10.87%
2009-06-30	11.41%
2009-03-31	10.30%
2008-12-31	15.82%
2008-09-30	16.58%
2008-06-30	15.80%
2008-03-31	13.35%
2007-12-31	11.25%
2007-09-30	15.01%
2007-06-30	11.86%
2007-03-31	11.01%
2006-12-31	11.98%
2006-09-30	12.77%
2006-06-30	12.13%
2006-03-31	8.45%
2005-12-31	11.49%
2005-09-30	15.34%
2005-06-30	13.93%
2005-03-31	13.86%
2004-12-31	16.16%
2004-09-30	15.95%
2004-06-30	17.69%
2004-03-31	17.73%
2003-12-31	17.57%
2003-09-30	15.71%
2003-06-30	15.03%
2003-03-31	11.76%
2002-12-31	13.51%
2002-09-30	12.44%

DATE

DEBT TO ASSETS RATIO

2026-06-30

6.96%

2026-03-31

7.24%

2025-12-31

9.12%

2025-09-30

7.69%

2025-06-30

8.09%

2025-03-31

7.47%

2024-12-31

9.15%

2024-09-30

6.96%

2024-06-30

8.36%

2024-03-31

8.26%

2023-12-31

9.18%

2023-09-30

10.35%

2023-06-30

11.83%

2023-03-31

13.41%

2022-12-31

8.95%

2022-09-30

7.11%

2022-06-30

6.70%

2022-03-31

6.65%

2021-12-31

8.27%

2021-09-30

6.54%

2021-06-30

6.85%

2021-03-31

5.84%

2020-12-31

6.38%

2020-09-30

5.26%

2020-06-30

5.71%

2020-03-31

8.15%

2019-12-31

7.11%

2019-09-30

7.34%

2019-06-30

9.31%

2019-03-31

6.89%

2018-12-31

7.72%

2018-09-30

7.44%

2018-06-30

4.80%

2018-03-31

4.64%

2017-12-31

6.08%

2017-09-30

6.05%

2017-06-30

5.42%

2017-03-31

5.62%

2016-12-31

7.12%

2016-09-30

6.43%

2016-06-30

7.03%

2016-03-31

4.33%

2015-12-31

8.40%

2015-09-30

9.58%

2015-06-30

7.47%

2015-03-31

7.13%

2014-12-31

8.20%

2014-09-30

6.61%

2014-06-30

5.47%

2014-03-31

4.52%

2013-12-31

6.30%

2013-09-30

8.31%

2013-06-30

7.87%

2013-03-31

5.53%

2012-12-31

5.36%

2012-09-30

6.52%

2012-06-30

6.83%

2012-03-31

6.01%

2011-12-31

6.62%

2011-09-30

5.67%

2011-06-30

7.12%

2011-03-31

5.44%

2010-12-31

5.92%

2010-09-30

9.96%

2010-06-30

7.46%

2010-03-31

9.59%

2009-12-31

10.15%

2009-09-30

10.87%

2009-06-30

11.41%

2009-03-31

10.30%

2008-12-31

15.82%

2008-09-30

16.58%

2008-06-30

15.80%

2008-03-31

13.35%

2007-12-31

11.25%

2007-09-30

15.01%

2007-06-30

11.86%

2007-03-31

11.01%

2006-12-31

11.98%

2006-09-30

12.77%

2006-06-30

12.13%

2006-03-31

8.45%

2005-12-31

11.49%

2005-09-30

15.34%

2005-06-30

13.93%

2005-03-31

13.86%

2004-12-31

16.16%

2004-09-30

15.95%

2004-06-30

17.69%

2004-03-31

17.73%

2003-12-31

17.57%

2003-09-30

15.71%

2003-06-30

15.03%

2003-03-31

11.76%

2002-12-31

13.51%

2002-09-30

12.44%

Debt to Assets Ratio: 6.96%

CBSH Debt to Assets Ratio

CBSH Average Debt to Assets Ratio Chart

CBSH Current vs Average Debt to Assets Ratio Chart

CBSH Debt to Assets Ratio Metrics

CBSH Competitors' Debt to Assets Ratio

Leverage Ratios Comparison

Debt to Assets Ratio Formula & Definition

Debt to Assets Ratio FAQ

CBSH Debt to Assets Ratio History

Related Metrics