Make smarter investments

Collaborating with the right service provider who can offer knowledgeable solutions and prudent investment strategies is critical to making your money work harder toward achieving your goals. Building on the outstanding reputation, values and culture of one of America’s premier financial institutions, the Capital Markets Group (CMG) takes a conservative, consultative approach to helping clients develop and execute an effective investment plan.⁴

Making your money work harder for you.

Our team of investment professionals support corporations, non-profits, insurance companies, financial institutions, municipalities and money managers with investment strategies tailored to each client’s objectives and current market conditions. CMG offers fixed income securities, cash management solutions and a full range of ancillary services to help you maximize return on your cash balances and increase control over your investments all while minimizing risk.

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Backed by the capabilities and stability of Commerce Bank, clients choose to work with CMG for the following three principal reasons:

Products and Services for Business Entities

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The Capital Markets Group (CMG) of Commerce Bank offers fixed income securities, cash management solutions and a full range of associated services to help your business entity maximize return on cash balances and increase control over their investments all while minimizing risk. Partnering with the right service provider who can offer knowledgeable solutions and prudent fixed income investment products and services is critical to making your money work harder toward achieving your goals. CMG takes a conservative and consultative approach to help clients develop and execute an effective investment plan.

Our comprehensive fixed income investment services for your business include:

• An extensive set of fixed income products to meet your investment needs
• Cash management solutions including competitive overnight and systematic investment options for your operating funds and working capital
• Laddered Investments to help meet your cash flow requirements
• Investment products that can be coordinated with your provided investment policy
• Portfolio Services: Safekeeping, Pledging, Accounting and Analytics Reporting³
• Online access to account status and activity

 

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Products and Services for Governmental Entities

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Taxpayers demand conscientious financial management of their public institutions. Today, hundreds of governmental entities turn to the Capital Markets Group (CMG) of Commerce Bank for wholistic solutions to make their money work harder. Our team has extensive experience working with entities such as cities, hospitals, school districts, and political subdivisions. We understand the unique obligations you have and are committed to providing services to help you to maximize return, minimize risk and increase control over your investments. 

Built upon the outstanding reputation, values, and culture of a leading super-community bank, CMG takes a conservative and consultative approach to helping you execute an effective investment plan.* We understand that collaborating with the right service provider is critical to making taxpayer dollars work harder toward achieving your goals.

Our comprehensive investment solutions allow our clients to effectively invest, track and account for their internally managed cash positions and other liquid assets. To achieve this, we offer:

• A full range of high-grade fixed income investments as permitted by your state statutes including: Treasuries, Agencies and Collateralized CD’s. These investments can easily be laddered to meet specific cash flow requirements.
• Cash management solutions including competitive overnight collateralized repo sweep options and if your Investment Policy allows, we offer money market sweep solutions for operating funds and working capital.
• Collateralization of public deposits.
• Bids on competitive bond proceed investments.³
• Responses to formal requests for financial services (RFP’s)
• Market analysis to keep you current on market trends
• Portfolio Services: Safekeeping, Pledging, Accounting and Analytics Reporting³
• Online access to account status and activity

 

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Municipal Debt Services

The Capital Markets Group of Commerce Bank is available to provide solutions for you to manage your public debt. We understand the challenges, and have the knowledge and experience to assist government entities with negotiated and competitive underwritings.

 

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Products and Services for Healthcare Providers

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The Capital Markets Group (CMG) of Commerce Bank offers fixed income securities, cash management solutions and a full range of associated services to help healthcare providers maximize return, minimize risk and increase control of their cash balances and investments. Collaborating with the right service provider who can offer knowledgeable solutions and prudent investment strategies is critical to making your money work harder toward achieving your goals. 

Our comprehensive investment solutions allow our healthcare providers to effectively invest, track and account for their internally managed cash positions and other liquid assets. To achieve this, we offer:

• A full range of high-grade fixed income investments as permitted by your investment policy including: Treasuries, Agencies and collateralized CDs. These investments can be laddered to meet specific cash flow requirements
• Cash management solutions which include competitive overnight and systematic investment options for your operating funds and working capital
• Market analysis to keep you current on market trends
• Portfolio Services: Safekeeping, Pledging, Accounting and Analytics Reporting³
• Online access to account status and activity

 

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Products and Services for Financial Institutions

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At Commerce Bank, our Capital Markets Group (CMG) is committed to collaborating with our clients to help them overcome challenges while keeping pace with dynamic market conditions and regulatory requirements. CMG offers fixed income securities, cash management solutions and a full range of ancillary services to mitigate risk, manage cash flow and achieve your financial objectives. Built upon the outstanding reputation, values, and culture of a leading super-community bank, CMG takes a conservative and consultative approach in helping you achieve your goals.

• Bank-Qualified Municipal Underwritings
• Cash Management Solutions
• Fixed Income Securities
• Municipal Portfolio Credit Monitoring Assistance
• Peer Group Reporting
• Pre-Purchase Security Analysis Tools
• Portfolio Services: Safekeeping, Pledging, Accounting and Analytics Reporting³
• Online access to account status and activity

 

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Asset Liability Management Services

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The Capital Markets Group (CMG) of Commerce Bank is committed to providing a comprehensive array of industry-leading Asset Liability Management (ALM) services. Analysis derived from our ALM simulation model serves to enhance management’s ability to effectively manage current balance sheet strategies, not just meet regulatory compliance. Our team combines their industry experience with the robust capabilities of the ZM Desk software platform to provide services that support our clients’ ability to manage their institution most effectively.

• ALCO Consulting
• Backtesting
• Balance Sheet Strategies
• Interest Rate Risk Reporting
• Model Assumption Sensitivity/Stress Testing
• Regulatory Exam Preparation
• Static and Dynamic Liquidity Reporting

 

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Correspondent Banking

We still believe in traditional Correspondent Banking based on cultivating long-term relationships through mutual respect and support. We provide a comprehensive suite of innovative products and services with the purpose of helping you operate more efficiently, remain competitive in the marketplace, and increase profitability. Maximize your community bank’s earnings by working with Commerce Bank to invest your excess funds overnight in our “As Principal” Fed Funds pool or EBA. Earn a competitive interest rate, with interest, posted to your account daily.

• Deposit Services
• Employee Benefit Plans
• Excess Balance Accounts
• Holding Company Financing
• International Services
• Lending
• Letters of Credit
• Merchant Credit/Debit Cards
• Overnight Fed Funds
• Wire Transfers/ACH

 

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Portfolio Services (Safekeeping, Accounting, Analytics Reporting and Online Access)

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The Capital Markets Group (CMG) of Commerce Bank offers a comprehensive range of safekeeping services to help protect your assets and provide accurate transaction records. CMG utilizes industry-leading software platforms to produce accurate financial reporting and comprehensive analysis to support you as you effectively manage your portfolio. Additionally, our in-house support team is dedicated to assisting you with your day-to-day portfolio needs and inquiries.

Safekeeping Services

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CMG’s Safekeeping Service operates in real-time and is fully integrated with our trading and portfolio accounting components for a holistic solution that includes:

• Trade Settlement
• Pledging Services for Public Deposit Collateralization
• Automatic processing of interest and principal payments
• Pay-downs and Pay-ups on mortgage and asset backed securities
• Corporate Actions
• 1099 Reporting
• Online access to account status and activity

 

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Accounting Services

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Our Accounting Services team provides a monthly accounting package containing in depth reports and a consolidated portfolio accounting summary of all general ledger (GL) entries for easy reconciliation of your fixed income securities portfolio. In addition to our reporting services, our knowledgeable and experienced team can assist with everyday bond accounting questions as well as more complicated tasks such as investment holding accounting for mergers and acquisitions. Our standard accounting package includes:

• Portfolio Accounting Summary of all GL entries
• Manager’s Quick List
• Investment Portfolio Pledged Securities Report
• Management Transaction Journal
  • Regulatory Reporting for Financial Institutions Mark to Market Detail
  • Risk-Based Capital
  • Schedule RC-B Form 031 041 051
• Data Extracts
• Call/Put Worksheet
• Online access to account status and activity

 

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Analytics Reporting

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Our Analytics Reporting team provides an informative analysis of your investment portfolio’s market risk profile. Our model performs an instantaneous basis point (bps) shift analysis which is displayed at the portfolio, sector and individual holding levels. Our reports can be tailored to your specific reporting needs and alternative rate scenarios. Our standard analytics package includes:

• Executive Summary- a portfolio performance snapshot
• Rate Forecast
• Cash Flow Analysis
• Duration and Yield Analysis
• MBS/CMO CPR Trend Analysis
• Concentration Reporting
• Peer Group Reporting
• Rate Shock Analysis
• Step Bond Analysis
• Online access to account status and activity

 

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Online Access

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CMG’s Web Portal is a secure, online, central contact point for accessing portfolio reports and communicating with our in-house support teams. Web Portal offers access to:

• Safekeeping account verification statements
• Safekeeping holding receipts and payment notifications
• Accounting Reports
• Accounting Data Extracts
• Analytics Reports
• Interactive Messenger (IM) – a secure messaging service, which allows you to:
  • Make changes to your account holdings in real time
  • Input investment purchase and sale activity
  • Transact pledging and maintenance changes
  • Track progress during the pledging or trade clearance process

 

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