Commerce Bancshares, Inc., a bank holding company as defined in the Bank Holding Company Act of 1956, as amended, was incorporated under the laws of Missouri on August 4, 1966. Through a second tier wholly-owned bank holding company, it owns all the outstanding capital stock of Commerce Bank, which is headquartered in Missouri and engages in general banking business, providing a broad range of retail, mortgage banking, corporate, investment, trust, and asset management products and services to individuals and businesses. Commerce’s goal is to be the preferred provider of financial services in its communities, based on strong customer relationships built through providing top quality service with a strong risk management culture, and employing a strong balance sheet with strong capital levels. Commerce operates under a super community banking format which incorporates large bank product offerings coupled with deep local market knowledge, augmented by experienced, centralized support in select, critical areas. Commerce’s focus on local markets is supported by an experienced team of bankers assigned to each market coupled with industry specialists. Commerce also uses regional advisory boards, comprised of local business leaders, professionals and other community representatives, who assist in responding to local banking needs. In addition to this local market, community-based focus, Commerce offers sophisticated financial products usually only available at much larger financial institutions.
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