SBA lender profile
Commerce Bank
Commerce Bank appears in the public SBA loan data with 1,081 funded 7(a) loans since FY2010, totaling $322.5M, an average of $298K per loan, and an estimated 9,339 jobs supported. Its SBA lending concentrates in Missouri and the Wholesale Trade sector. Across its 7(a) loans, the charge-off rate is 1.3%. 31.0% of its 7(a) loans were processed under delegated PLP authority.
By Mario Bailey · Source: SBA FOIA 7(a) and 504 data, FY2010–2026 (as of 2026-03-31)
- Track record 86
- Scale 88
- Activity 81
- Consistency 86
A relative profile signal from the public SBA record, not a prediction of approval or a guarantee.
Is Commerce Bank the right lender for you?
Lenders fund what they know. Commerce Bank's SBA lending concentrates in Missouri (670 loans) and Wholesale Trade (89 loans), at an average loan of $298K. If your business does not look like that, a different SBA lender is likely the better fit.
See which SBA lenders fund businesses like yours →Ranked on the funded-loan record, not on who pays. Free, and your details go only to the lenders we match you to.
Bank profile
via FDIC- Total assets
- $227M
- Headquarters
- Geneva, MN
- FDIC cert
- #10212
- Status
- Active
Where Commerce Bank lends
Top states by funded SBA volume.
Metro areas where Commerce Bank funds
What Commerce Bank funds
Top industries by funded SBA volume.
| Industry | Loans | Total volume |
|---|---|---|
| Wholesale Trade | 89 | $52.4M |
| Transportation and Warehousing | 100 | $44.1M |
| Manufacturing | 79 | $38.9M |
| Retail Trade | 103 | $27.6M |
| Health Care and Social Assistance | 125 | $26.7M |
| Professional and Technical Services | 138 | $25.6M |
Commerce Bank SBA lending by year
Funded SBA volume by approval fiscal year (FY2010–2026).
| Fiscal year | Loans | Total volume |
|---|---|---|
| 2010 | 121 | $26.2M |
| 2011 | 140 | $57.1M |
| 2012 | 90 | $16.6M |
| 2013 | 67 | $21.6M |
| 2014 | 52 | $20.8M |
| 2015 | 72 | $11.4M |
| 2016 | 69 | $16.9M |
| 2017 | 66 | $22.3M |
| 2018 | 46 | $16.3M |
| 2019 | 30 | $6.1M |
| 2020 | 34 | $15.5M |
| 2021 | 59 | $22.5M |
| 2022 | 52 | $17.6M |
| 2023 | 52 | $14.5M |
| 2024 | 74 | $22.5M |
| 2025 | 48 | $12.2M |
| 2026 | 9 | $2.4M |
Related SBA lenders
Other lenders active in Missouri or in Wholesale Trade.
Comparing lenders? See how to choose an SBA lender by track record.
Commerce Bank: frequently asked questions
Does Commerce Bank offer SBA loans?
Yes. Commerce Bank appears in the public SBA data with 1,081 funded SBA 7(a) loans totaling $322.5M.
How many SBA loans has Commerce Bank made?
Commerce Bank is associated with 1,081 SBA 7(a) loans totaling $322.5M in the public SBA data (as of 2026-03-31).
What is Commerce Bank's SBA charge-off rate?
About 1.3% of Commerce Bank's 7(a) loans in the data have been charged off. A lower rate is generally a better sign, but it is not a lifetime default rate; see our methodology for how it is calculated.
Where does Commerce Bank do most of its SBA lending?
Commerce Bank's SBA lending in the data is most concentrated in Missouri, and by industry in Wholesale Trade.
Is Commerce Bank an SBA Preferred Lender (PLP)?
The loan record shows Commerce Bank operating under PLP delegated authority: 335 of its 7(a) loans (31.0%) were processed through the Preferred Lenders Program, including 63 in FY2024–2026. The SBA grants and renews PLP status and publishes no public roster, so this is the processing record, not a certification.
This page is the public view of your institution's SBA record: rank, trajectory, and market position, computed from the complete public 7(a)/504 dataset. The full competitive picture (your share against named competitors by state and industry, and the growing markets you're absent from) is available to your team.
Request your institution's benchmarking →Mario Bailey. (2026). Commerce Bank SBA lending profile. SBA Loan Index. https://sbaloanindex.com/lenders/commerce-bank/
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