BANK
INSUFFICIENT VOLUME · DIRECTIONAL ONLY
Complaint rate · per 1,000 customersscale 0–10
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
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
5 nearest rates in scored dataset
0.28/1k
0.29/1k
0.30/1k
0.34/1k
0.39/1k
Federal data sources
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 customers0.34/1k
Total complaints (2011–2025)883
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 — White applicants34.6%
Denial rate — Black applicants55.4%
Denial rate — Hispanic applicants20.9%
Racial disparity index1.60×↑ significant disparity
Based on 1,505 mortgage applications · FFIEC HMDA 2023
Regulatory Enforcement Record
OCC (Office of the Comptroller)$58KFederal ReserveCFPB (Consumer Financial)FinCEN (Anti-money laundering)FDIC (Federal Deposit Insurance)FTC (Federal Trade Commission)
Dot colour reflects the most recent enforcement record on file at each agency. Each row links to that regulator’s source explainer.
Top Complaint Issues
19%
6%
5%
Breakdown of complaint issues filed with the CFPB by customers of this institution.
Methodological notes
Received TARP government bailout: $3M
Institution Status
No DNA profile signals computed for this institution.
Enforcement
Financial Health
Fair Lending
Computed Signals
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 ›