Comerica Incorporated (CMA): Business Model Canvas [Jan-2025 Mise à jour]

Dans le paysage dynamique des services financiers, Comerica Incorporated (CMA) apparaît comme une puissance stratégique, créant méticuleusement son modèle commercial pour fournir des solutions financières complètes dans divers segments de marché. En mélangeant de manière transparente l'expertise bancaire traditionnelle avec des technologies numériques de pointe, Comerica s'est positionné comme une institution financière polyvalente qui s'adresse aux petites entreprises, aux géants de l'entreprise et aux particuliers élevés. Leur toile de modèle commercial innovant révèle une approche sophistiquée qui équilibre les relations avec les clients personnalisés, les infrastructures technologiques robustes et les partenariats stratégiques pour créer de la valeur dans un écosystème bancaire de plus en plus compétitif.

Comerica Incorporated (CMA) - Modèle d'entreprise: partenariats clés

Alliances stratégiques avec les entreprises de technologie financière

Comerica a établi des partenariats avec les sociétés de technologie financière suivantes:

Partenaire	Focus technologique	Année de mise en œuvre
Finerv	Plateforme bancaire de base	2022
Jack Henry & Associés	Solutions bancaires numériques	2023
Plaid	Intégration de données financières	2022

Collaboration Administration des petites entreprises (SBA)

Les partenariats de prêt SBA de Comerica comprennent:

• Total des prêts SBA en 2023: 487 millions de dollars
• Nombre de prêts SBA traités: 1 243
• Taille moyenne du prêt: 392 000 $

Réseaux bancaires d'entreprise et commerciaux

Réseaux de partenariat clés de la banque d'entreprise:

Réseau	Portée géographique	Valeur de partenariat
Alliance de la banque américaine	Régions du Midwest et du Sud-Ouest	2,3 milliards de dollars en prêts commerciaux partagés
Collaboration Wells Fargo	Banque nationale d'entreprise	1,7 milliard de dollars en prêts syndiqués

Partenariats des fournisseurs technologiques

Partners d'infrastructure bancaire numérique:

• Microsoft Azure - Infrastructure cloud
• Salesforce - Gestion de la relation client
• IBM - Solutions de cybersécurité
• Services Web Amazon - Analyse des données

Investissement total de partenariat en 2023: 124 millions de dollars

Comerica Incorporated (CMA) - Modèle d'entreprise: activités clés

Services bancaires commerciaux et commerciaux

Comerica fournit des services bancaires commerciaux avec un portefeuille de prêts commerciaux total de 41,7 milliards de dollars au 423. La banque dessert environ 36 000 clients commerciaux sur plusieurs marchés.

Catégorie de service	Revenus annuels	Segments du client
Banque intermédiaire	1,2 milliard de dollars	Petites et moyennes entreprises
Banques commerciales importantes	875 millions de dollars	Fortune 1000 Companies

Advisory de gestion de la patrimoine et d'investissement

Comerica gère environ 53,8 milliards de dollars d'actifs de gestion de patrimoine en 2023.

• Services bancaires privés
• Confiance et planification successorale
• Gestion du portefeuille d'investissement

Prêts d'entreprise et solutions financières

Le portefeuille total de prêts d'entreprise a atteint 67,3 milliards de dollars en 2023, avec des segments de prêt spécialisés, notamment:

• Prêts basés sur les actifs
• Financement de l'équipement
• Financement du commerce international

Développement de la plate-forme bancaire numérique

Les transactions bancaires numériques ont augmenté de 22% en 2023, avec 4,2 milliards de dollars traité via des canaux numériques.

Métrique de la plate-forme numérique	Performance de 2023
Utilisateurs de la banque mobile	1,2 million
Volume de transaction en ligne	38,6 millions

Gestion des risques et conseil financier

Comerica maintient un Réserve de gestion des risques de 1,6 milliard de dollars avec des équipes dédiées surveillant les risques financiers sur plusieurs secteurs.

• Évaluation des risques de crédit
• Surveillance de la conformité réglementaire
• Services de conseil financier

Comerica Incorporated (CMA) - Modèle d'entreprise: Ressources clés

Réseau de succursale étendue

Au quatrième trimestre 2023, Comerica exploite 566 centres bancaires à service complet dans plusieurs États, principalement dans:

• Texas: 235 succursales
• Michigan: 142 succursales
• Californie: 89 succursales

Infrastructure de technologie bancaire numérique

Métriques de plate-forme numérique	2023 données
Utilisateurs de la banque mobile	1,2 million
Transactions bancaires en ligne	487 millions par an
Investissement bancaire numérique	126 millions de dollars

Professionnels des services financiers

Total des employés: 9 211 (au 31 décembre 2023)

• Corporatif & Banque institutionnelle: 2 345 professionnels
• Banque commerciale: 3 678 professionnels
• Gestion de la patrimoine: 1 189 professionnels

Réserves de capital et stabilité financière

Métrique financière	Valeur 2023
Actif total	89,4 milliards de dollars
Ratio de capital de niveau 1	13.2%
Total des capitaux propres	11,3 milliards de dollars

Données clients et capacités d'analyse

Investissement d'analyse des données: 42 millions de dollars en 2023

• Plates-formes de modélisation prédictive avancées
• Systèmes d'évaluation des risques en temps réel
• Informations sur les clients compatibles avec l'apprentissage automatique

Comerica Incorporated (CMA) - Modèle d'entreprise: propositions de valeur

Solutions financières complètes pour les entreprises

Au quatrième trimestre 2023, Comerica a déclaré 89,3 milliards de dollars d'actifs totaux et 75,4 milliards de dollars de prêts totaux. La banque fournit Solutions financières ciblées sur plusieurs segments d'entreprise:

Segment d'entreprise	Actif total	Focus du marché
Banque commerciale	52,6 milliards de dollars	Entreprises de taille moyenne
Banque d'affaires	22,1 milliards de dollars	Petites et moyennes entreprises
Banque commerciale	14,6 milliards de dollars	GRANDES clients d'entreprise

Expériences bancaires personnalisées

Comerica propose des solutions bancaires personnalisées avec des gestionnaires de relations servant des secteurs verticaux de l'industrie spécifiques.

• Valeur moyenne de la relation client: 287 000 $
• Gestionnaires des relations dédiées à 78% des clients commerciaux
• Solutions de crédit personnalisées adaptées à des besoins commerciaux spécifiques

Technologies bancaires numériques innovantes

Capacités de plate-forme numérique à partir de 2023:

Service numérique	Taux d'adoption des utilisateurs
Banque mobile	62% des clients commerciaux
Gestion de la trésorerie en ligne	47% des clients commerciaux
Systèmes de paiement en temps réel	Volume de transaction 34%

Services financiers spécialisés spécifiques à l'industrie

Comerica fournit des services spécialisés dans les industries clés:

• Automobile: 18,4 milliards de dollars de prêts spécifiques à l'industrie
• Technologie: 12,7 milliards de dollars de financement du secteur technologique
• Santé: 9,3 milliards de dollars en solutions de l'industrie des soins de santé

Produits de prêt et d'investissement compétitifs

Performance du produit financier en 2023:

Catégorie de produits	Volume total	Taux d'intérêt moyen
Prêts commerciaux	47,2 milliards de dollars	6.75%
Secours de crédit	22,6 milliards de dollars	7.25%
Services de banque d'investissement	15,9 milliards de dollars	Varie selon le produit

Comerica Incorporated (CMA) - Modèle d'entreprise: relations clients

Gestionnaires de relations dédiés pour les clients commerciaux

Comerica dessert environ 1,5 million de clients commerciaux sur plusieurs marchés. En 2023, la banque maintient 541 centres bancaires à service complet principalement au Texas, au Michigan, en Californie et à d'autres marchés sélectionnés.

Segment de clientèle	Gestionnaires de relations	Taille moyenne du portefeuille
Entreprises du marché intermédiaire	237 gestionnaires dédiés	48,3 millions de dollars par relation
GRANDES clients d'entreprise	89 gestionnaires de relations supérieures	175,6 millions de dollars par relation

Plates-formes bancaires numériques en libre-service

En 2023, Comerica a rapporté 1,2 million d'utilisateurs de banque numérique actifs avec les mesures d'engagement numérique suivantes:

• Téléchargements d'applications bancaires mobiles: 782 000
• Volume des transactions bancaires en ligne: 43,7 millions de transactions annuelles
• Taux d'ouverture du compte numérique: 62% des nouveaux comptes

Services de conseil financier personnalisés

Comerica fournit des services de conseil spécialisés à travers les segments avec la couverture suivante:

Type de service consultatif	Nombre de spécialistes	Fréquence moyenne d'interaction du client
Gestion de la richesse	412 conseillers financiers	Avis sur les clients trimestriels
Planification financière des entreprises	286 consultants dévoués	Sessions stratégiques bimensuelles

Support client proactif et engagement

Comerica maintient une infrastructure complète de support client:

• Canaux de support client 24/7
• Temps de réponse moyen: 7,2 minutes
• Évaluation de satisfaction du client: 4.6 / 5

Solutions financières personnalisées

Comerica propose des solutions financières segmentées avec une approche ciblée:

Segment de clientèle	Produits spécialisés	Pénétration du marché
Petites entreprises	8 produits de prêt sur mesure	37% de part de marché sur les marchés principaux
Sociétés de taille moyenne	12 services financiers spécialisés	52% de pénétration du marché

Comerica Incorporated (CMA) - Modèle d'entreprise: canaux

Réseau de succursale physique

Depuis 2023, Comerica Incorporate 495 centres bancaires à service complet dans plusieurs États, notamment:

État	Nombre de branches
Texas	226
Michigan	139
Californie	130

Plateforme bancaire en ligne

La plate-forme bancaire numérique de Comerica offre les fonctionnalités suivantes:

• Gestion de compte en temps réel
• Services de paiement de factures
• Déclarations électroniques
• Transferts de fonds

La plateforme en ligne sert approximativement 1,2 million d'utilisateurs bancaires numériques En 2023.

Application bancaire mobile

Statistiques clés de la banque mobile:

Métrique	Valeur
Téléchargements totaux d'applications mobiles	587,000
Utilisateurs actifs mensuels	412,000
Volume de dépôt de chèque mobile	1,3 milliard de dollars

Services bancaires téléphoniques

Comerica propose des services bancaires téléphoniques 24/7 avec:

• Solde de compte Renseignements
• Historique des transactions
• Support client

Le centre d'appel s'occupe approximativement 1,8 million d'interactions client par an.

Réseau ATM

L'infrastructure ATM de Comerica comprend:

Type de guichet automatique	Compte total
MAT propriétaires	340
ATM des partenaires de réseau	1,200
Accès ATM total	1,540

Volume annuel de transaction ATM: 22,6 millions de transactions.

Comerica Incorporated (CMA) - Modèle d'entreprise: segments de clientèle

Petites et moyennes entreprises

Depuis le quatrième trimestre 2023, Comerica dessert environ 36 500 clients commerciaux de taille petite et moyenne dans plusieurs États. Le portefeuille total des prêts commerciaux pour ce segment a atteint 29,4 milliards de dollars.

Caractéristique du segment	Données spécifiques
Taille moyenne des prêts commerciaux	1,2 million de dollars
Gamme de revenus annuelle des clients	5 millions de dollars - 100 millions de dollars
Concentration géographique	Texas, Californie, Michigan

GRANDES clients d'entreprise

Comerica gère les relations avec les banques d'entreprise avec 1 850 grands clients d'entreprise. Les revenus des services bancaires des entreprises pour 2023 étaient de 612 millions de dollars.

• Revenus annuels moyens du client d'entreprise: 500 millions de dollars - 5 milliards de dollars
• Industries des clients d'entreprise: technologie, fabrication, énergie
• Portefeuille total de prêts d'entreprise: 42,3 milliards de dollars

Individus à haute nette

Le segment des services bancaires privés comprend 22 700 clients à forte valeur à haute teneur avec des actifs investissables moyens de 7,6 millions de dollars.

Segment de richesse client	Total des actifs sous gestion
Valeur nette ultra élevée (> 30 millions de dollars)	4,2 milliards de dollars
Valeur nette élevée (5 millions de dollars à 30 millions de dollars)	16,7 milliards de dollars

Investisseurs immobiliers commerciaux

Le portefeuille de prêts immobiliers commerciaux a totalisé 23,8 milliards de dollars en décembre 2023.

• Nombre de clients de investissement immobilier actif: 1 275
• Taille moyenne du prêt immobilier: 18,6 millions de dollars
• Marchés immobiliers primaires: Texas, Californie, Michigan

Investisseurs institutionnels

Le segment des clients institutionnels gère 87,6 milliards de dollars d'actifs à partir de 2023.

Type de client institutionnel	Actif total
Fonds de pension	42,3 milliards de dollars
Dotation	22,1 milliards de dollars
Fondations	23,2 milliards de dollars

Comerica Incorporated (CMA) - Modèle d'entreprise: Structure des coûts

Maintenance des infrastructures technologiques

En 2023, Comerica a déclaré des frais de technologie et d'équipement de 332 millions de dollars. L'investissement infrastructure technologique de la banque comprenait:

• Infrastructure de cloud computing
• Systèmes de cybersécurité
• Plateformes bancaires numériques

Catégorie de dépenses technologiques	Coût annuel ($ m)
Maintenance matérielle	87.5
Licence de logiciel	124.3
Cybersécurité	62.7

Compensation et formation des employés

La rémunération totale des employés pour Comerica en 2023 était de 1,1 milliard de dollars.

Composant de compensation	Montant ($ m)
Salaires de base	678
Bonus de performance	276
Formation et développement	45.2

Dépenses opérationnelles du réseau de succursales

Comerica a exploité 567 succursales en 2023, avec des coûts d'exploitation totale de 412 millions de dollars.

Catégorie de dépenses de succursale	Coût annuel ($ m)
Loyer et installations	186
Services publics	54.3
Entretien	71.7

Coûts de conformité réglementaire

Les dépenses de conformité réglementaire de Comerica en 2023 ont totalisé 248 millions de dollars.

• Services de conseil juridique
• Systèmes de surveillance de la conformité
• Infrastructure de rapport

Frais de marketing et d'acquisition des clients

Les dépenses de marketing pour Comerica en 2023 étaient de 89 millions de dollars.

Canal de marketing	Dépenses ($ m)
Marketing numérique	37.5
Médias traditionnels	28.3
Acquisition de clients	23.2

Comerica Incorporated (CMA) - Modèle d'entreprise: Strots de revenus

Revenu des intérêts des prêts et des produits de crédit

Pour l'exercice 2023, Comerica a déclaré un revenu net d'intérêts de 2,64 milliards de dollars. La répartition du portefeuille de prêts comprend:

Catégorie de prêt	Solde total
Prêts commerciaux	53,4 milliards de dollars
Prêts immobiliers	27,6 milliards de dollars
Prêts à la consommation	3,2 milliards de dollars

Services bancaires basés sur les frais

Les frais de service et les frais de non-intérêt ont totalisé 536 millions de dollars en 2023.

• Frais de maintenance du compte
• Frais de transaction
• Frais de découvert
• Frais de transfert de fil

Frais de gestion de la patrimoine et de consultation

Les revenus de gestion de la patrimoine ont atteint 218 millions de dollars en 2023.

Catégorie de service	Revenu
Avis d'investissement	142 millions de dollars
Services de confiance	76 millions de dollars

Revenus de la banque d'investissement

Les revenus de la banque d'investissement étaient de 187 millions de dollars en 2023.

• Avis de fusion et d'acquisition
• Services de souscription
• Transactions des marchés des capitaux

Services de gestion du Trésor

Les frais de gestion du Trésor ont généré 295 millions de dollars en 2023.

Service du Trésor	Revenu
Gestion des espèces	156 millions de dollars
Solutions de paiement	139 millions de dollars

Comerica Incorporated (CMA) - Canvas Business Model: Value Propositions

You're looking at the core promises Comerica Incorporated makes to its customers, grounded in their actual operational scale as of late 2025. It's about delivering specific capabilities that match their target segments, from the middle market to high-net-worth families.

Tailored financial solutions for middle-market commercial clients

Comerica Incorporated positions its Commercial Bank segment to deliver solutions that blend the scale of a larger institution with focused attention. This segment is a major component of their funding profile, representing 53% of their average deposits in the second quarter of 2025. The bank emphasizes tailored solutions and customized product offerings, including credit capacity, treasury management, and capital market solutions, specifically designed to meet the needs of middle-market companies. They aim to grow this area along with Business Banking and Specialty Businesses where they claim deep expertise. The bank's focus on the middle market is a key driver, as evidenced by their recognition in Coalition Greenwich Awards for Middle Market Banking.

Comprehensive wealth management for high-net-worth individuals

For high-net-worth (HNW) individuals, Comerica Incorporated's Wealth Management segment offers value through strategic planning, often framed as Wealth Preservation and Transfer. This includes positioning their fiduciary capabilities, allowing clients and estate planners to name Comerica Bank & Trust, N.A. as trustee or executor. This segment contributed 6% of Comerica Incorporated's average deposits in Q2 2025. The value proposition here centers on managing the complexity affluent families face, ensuring a sound plan is in place centered around the entire family, not just the wealth creators. They help owners of wealth plan for wealth management after they are no longer able to manage it themselves.

Modernized, real-time payment solutions (RTP OBO) for transparency

Comerica Incorporated is an early adopter, positioning itself as an innovation leader in instant payment solutions. They became an early adopter of The Clearing House's revised rules for domestic On-Behalf-Of (OBO) payments on the RTP network, completing one of the first OBO payments under the new rules with client Monex USA in June 2025. This move is strategic, as the RTP network already processes over one million transactions daily across more than 950 financial institutions. The new OBO capability creates opportunities for real-time disbursement services like payroll and marketplace payouts, all while adhering to a framework focused on payment transparency, due diligence, and risk management. This effort earned Comerica Bank the Silver honor in the Product Development category at the 2025 Datos Impact Awards.

Relationship-focused service model with local, industry-specific advice

The service model is built on long-term relationships, delivering value-add, industry expertise through tenured colleagues. You see this commitment reflected in the stated average tenure of their leadership: Business leaders average 25 years, Relationship Managers (RMs) average 11 years, and General Managers (GMs) average 19 years as of year-end 2024. This experience is meant to reinforce consistency and a high level of customer service. Comerica Incorporated has been recognized with Coalition Greenwich Awards for both Small Bank Service and Large Bank Capabilities for its Small Business Banking, underscoring the blend of personalized advice and robust product access they aim to provide across their markets.

Granular, stable deposit base for a peer-leading funding profile

A key strength Comerica Incorporated emphasizes is its granular and stable deposit base, which provides a peer-leading funding profile. As of the second quarter of 2025, total average deposits stood at $61.2 billion, supporting total assets of $77.4 billion reported at September 30, 2025. The mix is intentionally balanced, with a strong emphasis on commercial deposits. Their conservative capital management is supported by this base, which saw an estimated Common Equity Tier 1 (CET1) capital ratio of 12.05% in the first quarter of 2025, well above their 10% target. They explicitly focus on a granular Small Business deposit strategy to maintain this stability.

Here's a look at the average deposit composition from Q2 2025:

Deposit Source Segment	Average Deposit Contribution (Q2 2025)	Example Financial Metric
Commercial Bank	53%	Middle Market General Average Deposits: $17.6 billion (Q2 2025)
Retail Bank	38%	Retail Bank Average Deposits: $23.4 billion (Q2 2025)
Wealth Management	6%	Wealth Management Average Deposits: $3.6 billion (Q2 2025)
Other	3%	Total Average Deposits: $61.2 billion (Q2 2025)

The mix of noninterest-bearing deposits is also a critical component of their funding advantage. At the end of Q2 2025, noninterest-bearing balances made up 38% of period-end deposits, which helps manage funding costs. You can see the breakdown of that period-end mix below:

• Commercial Noninterest-bearing: 26%
• Commercial Interest-bearing: 33%
• Retail Interest-bearing: 29%
• Retail Noninterest-bearing: 12%

This structure is designed to provide consistency, which is vital when net interest income was reported at $575 million for Q1 2025. Finance: draft the 13-week cash view incorporating Q3 2025 average loan/deposit trends by Friday.

Comerica Incorporated (CMA) - Canvas Business Model: Customer Relationships

You're looking at how Comerica Incorporated maintains its client connections, which is central to its strategy as one of the 25 largest U.S. commercial financial holding companies. The entire model hinges on personal relationships, which they back up with significant operational focus.

Dedicated Relationship Managers (RMs) for commercial and wealth clients

Comerica Incorporated emphasizes a relationship banking strategy that relies heavily on the personal connection provided by its employees. The firm's focus on Middle Market and Wealth Management segments inherently requires dedicated Relationship Managers (RMs) to deliver tailored solutions. While the exact headcount of RMs isn't explicitly broken out, the investment in this talent pool is evident in compensation metrics. As of October 29, 2025, the average annual pay for a Comerica Relationship Banker in the United States was reported at $54,678 a year. This figure represents a premium, sitting 23.6% above the national average for Relationship Banker jobs, equating to an extra $11,525 annually. This premium suggests a competitive approach to attracting and retaining the talent needed to manage high-value commercial and wealth relationships.

High-touch, advisory-based service across all three segments

The commitment to a high-touch, advisory model is validated by external recognition Comerica Incorporated received in 2025. The firm was recognized by Crisil Coalition Greenwich with six Best Bank for Business Awards. Specifically for Small Business Banking, they secured awards for: Values Long-Term Relationships, Advisory Capabilities of Relationship Manager, Satisfaction with Relationship Manager, and Trust. For Middle Market Banking, they earned two awards for Satisfaction with Relationship Manager in the U.S.. This consistent external validation across core segments underscores the perceived quality of their localized advice and tailored product offerings.

The advisory focus extends to Wealth Management, which, as of the end of 2024, represented approximately 27% of Comerica Incorporated's Noninterest Income and managed over $200 billion in Assets Under Administration (AUA).

Strategic investment in talent and training for RMs

Comerica Incorporated explicitly states a strategy of leveraging its 'distinctive relationship model' alongside a 'dedicated training program' to drive growth. This investment in human capital is a near-term priority, as evidenced by the employee base and compensation structure. As of December 31, 2024, Comerica and its subsidiaries employed 7,565 full-time and 363 part-time employees, the core group delivering these relationship services. The firm also focuses on 'reinventing the customer experience' by redesigning its network distribution model to build an integrated omni-channel experience.

Key areas where this relationship focus is applied include:

• Delivering a first-class commercial solution as a "Leading Bank for Business".
• Growing Middle Market, Business Banking & Specialty Businesses.
• Combining modernized platforms with unique understanding of business owners' needs in Wealth Management & Retail.
• Focusing on industry expertise to add unique value across core businesses.

Self-service digital tools for transactional banking needs

While the relationship model is high-touch, Comerica Incorporated balances this with a push for digital efficiency, aiming to deliver a 'robust digital suite' for its commercial clients. The bank has actively worked on the 'modernization of loan processing' and designing scalable processes. This digital enhancement directly impacts customer satisfaction; Comerica used predictive analytics to improve its digital banking experience, resulting in a 5-point increase in customer satisfaction. This shows an effort to make transactional banking seamless, freeing up RMs for advisory work. Nationally, in 2025, a significant majority of consumers-77 percent-prefer to manage their bank accounts through a mobile app or a computer.

Here are some key quantitative metrics related to Comerica Incorporated's customer focus and scale as of late 2025:

Metric Category	Specific Data Point	Value / Amount	Context / Date
Financial Scale	Total Assets	$78.0 billion	June 30, 2025
Customer Service Recognition	2025 Coalition Greenwich Awards (Total)	6	2025
Customer Service Recognition	2025 Coalition Greenwich Awards (Small Business RM Satisfaction)	1 (Award Won)	2025
Talent Investment	Average Comerica Relationship Banker Salary	$54,678 / year	October 29, 2025
Talent Investment	Salary Premium vs. National Average	23.6% above average	October 29, 2025
Digital Impact	Digital Banking Customer Satisfaction Increase	5-point increase	Attributed to predictive analytics use
Segment Contribution	Wealth Management % of Noninterest Income	~27%	As of end of 2024
Segment Scale	Wealth Management Assets Under Administration (AUA)	>$200 billion	As of end of 2024

Finance: draft 13-week cash view by Friday.

Comerica Incorporated (CMA) - Canvas Business Model: Channels

You're looking at how Comerica Incorporated gets its services to its customers; it's a mix of old-school presence and modern digital tools. Here's the breakdown of the hard numbers and structures defining those channels as of late 2025.

Physical banking centers in 15 states, including expansionary markets

Comerica Incorporated maintains a physical footprint across key growth markets. As of late 2025, the FDIC reported a total of 360 Branch Offices for Comerica Bank. The bank services customers across 15 states, with a presence in 13 of the 15 largest U.S. metropolitan areas. The core physical presence remains concentrated in Arizona, California, Florida, Michigan, and Texas, with recent expansion efforts noted in the Southeast Market (including North Carolina) and the Mountain West Region (including Colorado).

The scale of the physical channel is best viewed against the total asset base and market reach:

Metric	Value as of Late 2025 / Most Recent Data
Total Branch Offices (as of 11/28/2025)	360
Number of States with Offices	15
Largest U.S. Metro Areas Serviced	13 of 15
Total Assets (as of Q2 2025)	$78.0 billion

Digital platforms: online and mobile banking applications

The digital channel supports the Retail Bank segment through the www.comerica.com website and the mobile application. Customer engagement metrics show significant reliance on these platforms for core services. For instance, as of the first quarter of 2025, 82% of Retail Customers held Checking Accounts, and 89% of Deposit Customers had Checking Accounts, indicating broad adoption of the base services accessible digitally.

The digital channel is a key part of the strategy to reinvent the customer experience.

Dedicated Relationship Managers and Private Bankers

For the Commercial Bank and Wealth Management segments, direct human interaction through specialized bankers is the primary channel. This channel is segmented by the size and complexity of the client relationship, which dictates the type of banker assigned. The focus areas define the channel's target:

• Middle Market Relationship Managers focus on clients with annual revenue between $30 million and $500 million.
• Business Banking Relationship Managers focus on clients with annual revenue between $5 million and $30 million.
• Wealth Management services are delivered through a network of Wealth Management advisors and Comerica Financial Advisors.

ATM network for consumer and small business access

Comerica Incorporated utilizes an ATM network to provide 24-hour access for transactional needs across its footprint. While a precise, total network count for late 2025 is not available, the network is explicitly listed as one of the core service channels for the Retail Bank segment, alongside Banking Centers and Contact Centers. Some physical locations, such as the new Sacramento banking center, feature a 24-hour ATM on site.

The availability of 24/7 automated service is a fundamental component of the consumer channel offering.

Comerica Incorporated (CMA) - Canvas Business Model: Customer Segments

You're looking at how Comerica Incorporated structures its client base, which is key to understanding where their money and focus really are. Comerica Incorporated strategically aligns its operations into three major business segments: the Commercial Bank, the Retail Bank, and Wealth Management. The data from mid-2025 shows a clear weighting toward commercial relationships.

Here's a quick look at the balance sheet context as of June 30, 2025:

Metric	Amount (as of 6/30/2025)
Total Assets	$78.0 billion
Total Deposits	$60.0 billion
Total Loans	$51.2 billion
Employees	7,928

The relative size of the deposit base across the main segments as of the second quarter of 2025 gives you a strong hint about where the core business lies:

• Commercial Bank Deposits: 53% of total deposits
• Retail Bank Deposits: 38% of total deposits
• Wealth Management Deposits: 6% of total deposits
• Other (including FIs): 3% of total deposits

Commercial Bank: Small and middle-market businesses, plus multinational corporations

This segment is the largest by deposit share, meaning it drives a significant portion of Comerica Incorporated's funding base. The focus here is deep relationship banking across various business sizes. For the full year 2024, Comerica Incorporated's total revenue was reported at $3.24 Billion USD.

Comerica Incorporated specifically enhanced its support for small businesses in 2024:

• Added more than 100 small business bankers across all markets.
• Doubled the number of members for Comerica BusinessHQ™ in Dallas.
• SBA lending, including 7(a) and 504 loans, totaled $186 million in 2024.

Retail Bank: Consumers and small business clients in growth markets

This segment serves the consumer base alongside smaller business clients, often through the branch network and dedicated small business bankers. The Retail Bank holds the second-largest share of the deposit base. The average noninterest-bearing (NIB) deposit mix, which is generally low-cost funding, was stable at 38% of total average deposits for the second quarter of 2025.

Wealth Management: Affluent, high-net worth, and ultra-high-net-worth individuals

This group focuses on individuals and families needing sophisticated asset management and trust services. While their direct deposit share is smaller at 6% of total deposits, the segment manages substantial assets. As of late 2023, Comerica Incorporated's wealth management division managed approximately $195 billion in assets. The segment continues to be a focus area, with management referencing it in forward-looking statements for 2025.

Financial Institutions (FIs): Banks and non-bank FIs for liquidity management

This customer group is captured within the smaller deposit category, listed as 3% under the 'Other' segment in the Q2 2025 deposit breakdown. Comerica Incorporated provides liquidity management and other services to these institutions. The bank has a history of strong relationships with top-tier Private Equity firms, particularly through its Equity Fund Services, which saw loan increases in Q1 2025.

Comerica Incorporated (CMA) - Canvas Business Model: Cost Structure

You're looking at Comerica Incorporated's cost base as of late 2025, focusing on the major drains on the bottom line. Honestly, managing expenses is key when loan growth is soft, so let's break down the numbers we're seeing from the latest filings.

Non-interest expenses are under the microscope. Management's full-year 2025 outlook, as of Q1, projected noninterest expenses to grow in the 2-3% range compared to 2024. For the three months ended June 30, 2025, total noninterest expenses were reported at $561 million, a decrease of $23 million or 3.9% from the first quarter of 2025, which was $584 million.

Interest expense on deposits remains a pressure point, driven by the cost of funding. For instance, in the second quarter of 2025, the average cost of interest-bearing deposits increased 4 basis points to 2.69%, reflecting relationship-focused pricing. By the third quarter of 2025, the net interest margin decreased partly due to a $1.7 billion increase in interest-bearing deposit accounts and continued relationship-focused deposit pricing.

The cost associated with potential loan losses, the provision for credit losses, is being managed cautiously. Net charge-offs in the second quarter of 2025 were at the low end of the bank's normal range, specifically within the 20 to 40 basis point range. The actual provision expense varied quarterly; it was $44 million for the three months ended June 30, 2025, but decreased to $22 million for the three months ended September 30, 2025.

Comerica Incorporated is making clear investments in its future operations, particularly in technology and talent. Here's a look at some of those specific cost lines for the first nine months of 2025:

Cost Category	Nine Months Ended September 30, 2025 (in millions)	Nine Months Ended September 30, 2024 (in millions)
Salaries and benefits expense	$1,079	$1,006
Software expense	$146	$135
Outside processing fee expense	$200	$205

Compensation and benefits is definitely the largest single component of non-interest expense. For the nine months ended September 30, 2025, Salaries and benefits expense totaled $1,079 million, up from $1,006 million for the same period in 2024. To give you a more recent snapshot, in the second quarter of 2025, salaries and benefits expense saw a sequential reduction of $10 million due to seasonality.

You can see the main cost drivers:

• Salaries and benefits expense for 9M 2025: $1,079 million.
• Software expense for 9M 2025: $146 million.
• FDIC insurance expense for Q2 2025: $11 million.
• The bank is managing its deposit costs, with the average cost of interest-bearing deposits at 2.69% in Q2 2025.

Comerica Incorporated (CMA) - Canvas Business Model: Revenue Streams

You're looking at the core engine of Comerica Incorporated's profitability, which is heavily reliant on the spread between what it earns on assets and what it pays on liabilities, supplemented by fees for services. Here's the quick math on the 2025 outlook for their main revenue drivers.

Net Interest Income (NII) remains the largest component. For the full year 2025, Comerica Incorporated management projects NII to grow between 5% and 7% compared to 2024. This follows a period where NII was stable quarter-over-quarter, with Q2 2025 NII reported at $575 million, identical to Q1 2025, though Q1 2025 was up year-over-year from $548 million in Q1 2024. The 2024 reported NII was $2.27 billion.

Non-Interest Income (Fee Income) is the secondary pillar. The projection for full-year 2025 fee income growth is approximately 2%. In Q2 2025, Noninterest income reached $274 million, an increase from $254 million in Q1 2025. For context, Comerica Incorporated reported total Non-Interest Income of $1.22 billion in fiscal year 2024.

Comerica Incorporated's total revenue for fiscal year 2024 was $3.49 billion. The revenue streams are broken down across its primary business segments, which helps you see where the interest and fee income originates.

Here is a look at the key income components based on recent figures and segment contributions:

Revenue Component	Latest Reported Period Figure	Full Year 2024 Figure	2025 Projection/Context
Net Interest Income (NII)	$575 million (Q2 2025)	$2.27 billion	Projected to grow 5% to 7% for full-year 2025
Non-Interest Income (Total)	$274 million (Q2 2025)	$1.22 billion	Projected to grow approximately 2% for 2025
Total Revenue	N/A (Q2 2025 PPNR: $288 million)	$3.49 billion	N/A

The components driving that Non-Interest Income are diverse, stemming from commercial activities, wealth management, and treasury services.

Commercial loan interest and fees contribute significantly. Interest income on commercial loans, for instance, included a net expense from cash flow swaps of $161 million for the six months ended June 30, 2025. Commercial lending fees, which include fees on the unused portion of commercial lines of credit (unused commitment fees), are reported within commercial lending fees on the Consolidated Statements of Comprehensive Income.

Wealth Management fees are a key source of capital-efficient fee income. Total Wealth Management represents approximately 27% of Comerica's Noninterest Income. This segment manages significant client assets, with over $200 billion in Assets Under Administration (AUA). Within this, the third-party fiduciary business has shown a 5-year revenue Compound Annual Growth Rate (CAGR) of 6%.

Treasury management and payment solutions fees are an area of strategic focus. Innovation in payments has been a recent driver; for example, payments innovation contributed to a 7.9% increase in noninterest income during Q2 2025. Comerica Incorporated was recognized with a 2025 Impact Award for advancing On-Behalf-Of (OBO) payments on the RTP network, showing a commitment to fee-generating payment solutions.

You can see the segment contribution to loans and deposits, which directly feed the interest income:

• Commercial Bank accounted for 53% of average loans and 85% of average deposits as of Q2 2025.
• Wealth Management accounted for 6% of average loans and 10% of average deposits as of Q2 2025.
• Retail Bank accounted for 38% of average loans and 3% of average deposits as of Q2 2025.

The bank is definitely leaning on its commercial and wealth franchises for fee generation.