Commerce Bancshares, Inc. operates as the bank holding company for Commerce Bank, delivering a comprehensive suite of financial products and services across the United States. It specializes in general banking operations, encompassing retail banking, mortgage banking, corporate lending, investment services, trust administration, and asset management tailored to individuals, businesses, and municipalities. The company structures its activities into three primary segments: Consumer (or Retail Banking), which includes consumer deposits, installment loans such as auto and home equity, mortgage banking, and debit/credit card services; Commercial, offering corporate lending, payment solutions, leasing, international services, cash management, and business banking; and Wealth, providing trust and estate planning, brokerage, and investment management for personal and institutional clients. Through an extensive branch network, Commerce Bancshares, Inc. supports diverse sectors including healthcare financing and real estate, playing a vital role in regional financial markets by facilitating everyday banking needs and sophisticated wealth strategies. Founded in 1865 and headquartered in Kansas City, Missouri, it remains a cornerstone in community-focused banking.