Commerce Bancshares, Inc. (NASDAQ: CBSH) is a registered bank holding company based in Missouri, United States, with primary hubs in Kansas City and St. Louis. It is the corporate parent of Commerce Bank, which offers a diversified line of financial services, including business and personal banking, wealth management and investments through its affiliated companies. Commerce operates more than 250 branch and ATM locations across Missouri, Kansas, Illinois, Oklahoma, and Colorado and also has operating subsidiaries involved in mortgage banking, credit-related insurance, venture capital and real estate activities. As of March 31, 2022, Commerce Bank was the 61st largest commercial bank in the United States, as reported by the Federal Reserve Bank. Commerce Bank ranked 34th on Forbes list of America's Best Banks 2022. Forbes has named Commerce Bank to its America's Best Banks list for 13 consecutive years. History Commerce was founded by Francis Reid Long with $10,000 in capital in 1865, just as communities were rebuilding after the Civil War. Originally known as the Kansas City Savings Association, it was acquired in 1881 by Dr. William Stone Woods and renamed the National Bank of Commerce, claiming at the time to be the largest bank west of Chicago.[1] Harry Truman, the 33rd President of the United States, worked as a clerk and cashier at the bank in the early 1900s. When describing Dr. Woods, Truman once said, "There are dozens of stories about his close accounting of the nickels and pennies, but if he chose to back a man, he stayed with him through thick and thin if that man had energy and character.[2] Dr. Woods would go on to transform the Kansas City bank into a modern financial institution. Truman's housemate at the time was fellow Commerce employee Arthur Eisenhower, brother of future war hero and President Dwight D. Eisenhower. Arthur went on to work at Commerce for more than 50 years.[2] The bank became Commerce Bank in 1903 with William Thornton Kemper Sr. as its first president. Kemper set up one of his sons, James M. Kemper, at Commerce and his other son, Rufus Crosby Kemper Sr., at the competing City Center Bank, which later became UMB Financial Corporation. Members of the Kemper family still play a dominant role at both banks. They also are a major force in Missouri philanthropies, with their names attached to numerous buildings throughout the state, including Kemper Arena. In 1928, Commerce opened