Commerce Bancshares, Inc. is a bank holding company of Commerce Bank (the Bank). The Company operates through three segments: Consumer, Commercial and Wealth. The Consumer segment includes the retail branch network, consumer installment lending, personal mortgage banking, consumer debit and credit bank card activities. It provides services through a network of 195 branches, an automated teller machine (ATM) network of 392 machines, and the use of alternative delivery channels, such as online banking, mobile, and telephone banking services. The Commercial segment provides an array of corporate lending, merchant and commercial bank card products, leasing, and international services, as well as business and government deposit and cash management services. The Wealth segment provides trust and estate tax planning services, brokerage services, and advisory and discretionary investment portfolio management services to both personal and institutional corporate customers.