Market Lens — bank market footprint analysis from FDIC Summary of Deposits (June 2025), Census PEP, BEA and BLS QCEW.
A $25.9bn book; 6.7% of deposits sit in high-growth markets; the largest market is 38.6% of the book; 2 high-growth markets are losing share.
Generated 22 Aug 2026, 03:35 UTC · drafted over all 35 markets · 12 citations, every one resolved against the computed rows
35 markets
10 of 35
Deposits are this bank’s pro forma SOD book in each market, not market size. Kansas City’s 10.4% is share of that metro; 38.6% is share of Commerce Bank’s own book.
Every market the bank books deposits in, shaded by the column the table is sorted by. Drag to pan, scroll or use the controls to zoom; the arrow keys move between markets.
Footprint map
Each shaded region is a market, not a state — CBSAs cross state lines, and rural markets are single counties drawn on top of the metro layer.
Shading: Bank deposits (current) (US dollars) · sequential ramp · 35 markets in view
Sequential ramp on slate with alpha, five quantile bins — this measure carries no direction.
Commerce Bank (cert 24998) · 35 markets · unfiltered · as of 22 Aug 2026, 03:35 UTC
Loading county geometry…
Click a market to open it. Scroll or pinch to zoom, drag to pan, double-click to zoom in, and the buttons in the corner do the same from the keyboard — Fit returns to the whole footprint. The map itself is one tab stop: Tab moves into it, the arrow keys move between neighbouring markets, Home and End jump to the first and last, Enter or Space selects, and Escape clears the selection.
Springfield, MO is a growth market where the franchise is already established (Pulling Back).
Deposit share compounds where population and income are growing: the same branch network gathers a larger book each year without new capital expenditure.
Columbia, MO is a growth market where the franchise is already established (Entrenched Leader (consolidating)).
Deposit share compounds where population and income are growing: the same branch network gathers a larger book each year without new capital expenditure.
Joplin, MO-KS is a growth market where the franchise is already established (Entrenched Leader (consolidating)).
Deposit share compounds where population and income are growing: the same branch network gathers a larger book each year without new capital expenditure.
Kansas City, MO-KS scores below the national distribution on the growth composite.
A shrinking or flat market makes share gains a zero-sum fight for the same deposits, which shows up as price competition before it shows up in volume.
St. Louis, MO-IL scores below the national distribution on the growth composite.
A shrinking or flat market makes share gains a zero-sum fight for the same deposits, which shows up as price competition before it shows up in volume.
Wichita, KS scores below the national distribution on the growth composite.
A shrinking or flat market makes share gains a zero-sum fight for the same deposits, which shows up as price competition before it shows up in volume.
3 strengths · 3 watch items · 12 cited figures. Hover a figure to raise its row on the map and in the ranking table; select it to open that market in full.
Where would the next branch buy the most incremental share, given where the franchise is already entrenched?
0 claims dropped — every claim on screen resolved against the computed rows. The 12 figures above are the ones that survived that check.
Machine-generated from the computed figures shown above. Every number is calculated in Python and cited; the model interprets and never calculates. It is interpretation, not a statement about the institution’s condition or management.
Sorted client-side from the complete row set. Sort, filter, density and the selected market all live in the URL, so a shared link reopens exactly this view.
35 markets shown · sorted by Bank deposits (current) high to low · 40 columns hidden
CSV carries the sort, the visible columns and the filtered row set exactly as shown, plus a provenance header. XLSX and PowerPoint are the logged N6 waiver (P1-05).
| Row actionDetail | |||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Kansas City, MO-KS | 28140 | KS|MO | Major Metro | Medium | Entrenched Leader (consolidating) | $277.5m | 4.1% | $10.0bn | 10.4% | -217 bps | -0.18 | ||
| St. Louis, MO-IL | 41180 | IL|MO | Major Metro | Medium | Pulling Back | $207.9m | 2.3% | $7.9bn | 6.7% | -147 bps | -0.04 | ||
| Springfield, MO | 44180 | MO | Secondary Metro | High | Pulling Back | $144.0m | 0.6% | $1.3bn | 8.0% | -383 bps | +0.36 | ||
| Wichita, KS | 48620 | KS | Secondary Metro | Low | Pulling Back | $152.4m | 3.8% | $1.2bn | 5.9% | -48 bps | -0.50 | ||
| Bloomington, IL | 14010 | IL | Small Metro | Low | Entrenched Leader | $394.1m | 3.8% | $788.1m | 17.3% | +1,273 bps | -0.82 | ||
| Columbia, MO | 17860 | MO | Small Metro | Medium | Entrenched Leader (consolidating) | $149.0m | 3.1% | $745.1m | 13.2% | -80 bps | +0.13 | ||
| St. Joseph, MO-KS | 41140 | MO | Small Metro | Low | Entrenched Leader | $310.0m | 5.1% | $620.0m | 25.2% | +354 bps | -0.67 | ||
| Peoria, IL | 37900 | IL | Secondary Metro | Low | Entrenched Leader (consolidating) | $119.4m | 1.7% | $477.4m | 8.5% | -47 bps | -0.58 | ||
| Lawrence, KS | 29940 | KS | Small Metro | Low | Entrenched Leader (consolidating) | $142.4m | 3.9% | $284.8m | 8.1% | -31 bps | -0.38 | ||
| Joplin, MO-KS | 27900 | KS|MO | Small Metro | Medium | Entrenched Leader (consolidating) | $91.1m | 1.5% | $273.4m | 8.6% | -1,242 bps | +0.02 | ||
| Manhattan, KS | 31740 | KS | Small Metro | Low | Established - Mature | $75.3m | -0.4% | $225.9m | 8.0% | -243 bps | -0.35 | ||
| Tulsa, OK | 46140 | OK | Major Metro | Medium | Pulling Back | $104.6m | -1.5% | $209.2m | 0.6% | -28 bps | +0.24 | ||
| Denver-Aurora-Centennial, CO | 19740 | CO | Major Metro | High | Established - Mature | $66.4m | 3.7% | $199.3m | 0.2% | -2 bps | +0.42 | ||
| Lebanon, MO | 30060 | MO | Micropolitan | High | Entrenched Leader | $188.0m | 3.6% | $188.0m | 19.8% | +47 bps | +0.64 | ||
| Cape Girardeau, MO-IL | 16020 | MO | Small Metro | Low | Established - Mature | $82.0m | 6.5% | $164.1m | 4.9% | +39 bps | -0.35 | ||
| Hays, KS | 25700 | KS | Micropolitan | Low | Entrenched Leader | $160.9m | -1.6% | $160.9m | 13.0% | -487 bps | -0.58 | ||
| Garden City, KS | 23780 | KS | Micropolitan | Low | Entrenched Leader | $157.8m | -5.6% | $157.8m | 14.0% | -1,770 bps | -0.71 | ||
| Pittsburg, KS | 38260 | KS | Micropolitan | Low | Entrenched Leader | $138.8m | -0.1% | $138.8m | 13.6% | -240 bps | -1.03 | ||
| Jefferson City, MO | 27620 | MO | Small Metro | Medium | Entrenched Leader | $68.5m | 5.4% | $137.0m | 28.8% | +253 bps | +0.08 | ||
| Hannibal, MO | 25300 | MO | Micropolitan | Medium | Entrenched Leader | $133.5m | 3.7% | $133.5m | 14.3% | -66 bps | -0.18 | ||
| Mexico, MO | 33020 | MO | Micropolitan | Low | Entrenched Leader | $95.0m | -1.5% | $95.0m | 18.4% | -649 bps | -0.75 | ||
| Oklahoma City, OK | 36420 | OK | Major Metro | Medium | Pulling Back | $91.3m | -3.7% | $91.3m | 0.2% | -34 bps | +0.23 | ||
| Poplar Bluff, MO | 38740 | MO | Micropolitan | Medium | Limited-Service Foothold | — | -1.5% | $81.7m | 4.9% | -299 bps | -0.21 | ||
| Hutchinson, KS | 26740 | KS | Micropolitan | Low | Established - Mature | $72.1m | 0.3% | $72.1m | 4.7% | -100 bps | -0.47 | ||
| Moberly, MO | 33620 | MO | Micropolitan | Medium | Entrenched Leader | $68.0m | 2.8% | $68.0m | 13.6% | +109 bps | +0.14 | ||
| Barry County, Missouri | 29009 | MO | Rural | Medium | Established - Mature | $47.6m | -2.9% | $47.6m | 4.4% | -276 bps | +0.10 | ||
| Branson, MO | 14700 | MO | Micropolitan | Medium | Established - Mature | $46.0m | 4.2% | $46.0m | 2.9% | -26 bps | -0.01 | ||
| Houston-Pasadena-The Woodlands, TX | 26420 | TX | Major Metro | High | Limited-Service Foothold | — | 113.4% | $43.5m | 0.0% | +1 bps | +0.73 | ||
| Quincy, IL-MO | 39500 | IL | Micropolitan | Low | New Entrant | $4.9m | 10.2% | $4.9m | 0.2% | +7 bps | -0.53 | ||
| Naples-Marco Island, FL | 34940 | FL | Secondary Metro | High | New Entrant | $219k | 95.5% | $1.1m | 0.0% | +1 bps | +1.72 | ||
| Cape Coral-Fort Myers, FL | 15980 | FL | Secondary Metro | High | New Entrant | $0k | —— | $0k | 0.0% | +0 bps | +1.41 | ||
| Phoenix-Mesa-Chandler, AZ | 38060 | AZ | Major Metro | High | New Entrant | $0k | —— | $0k | 0.0% | +0 bps | +1.17 | ||
| Charleston-North Charleston, SC | 16700 | SC | Secondary Metro | High | New Entrant | $0k | —— | $0k | 0.0% | +0 bps | +1.30 | ||
| Miami-Fort Lauderdale-West Palm Beach, FL | 33100 | FL | Major Metro | High | New Entrant | $0k | —— | $0k | 0.0% | +0 bps | +0.48 | ||
| Omaha, NE-IA | 36540 | NE | Major Metro | High | Limited-Service Foothold | — | —— | $0k | — | — | +0.42 | ||
| Totals over 35 markets shown | $25.9bn | 52 counties · 154 offices |
Select a market — on the map, in the ranking table above, or through a figure cited in the brief — to see it in full here.
Every threshold, gate and vintage, generated with this bank’s own figures.
Commerce Bank (cert 24998) · 35 markets · unfiltered