Comerica Incorporated (CMA): Modelo de Negócios Canvas [Jan-2025 Atualizado]

No cenário dinâmico dos serviços financeiros, a Comerica Incorporated (CMA) surge como uma potência estratégica, elaborando meticulosamente seu modelo de negócios para fornecer soluções financeiras abrangentes em diversos segmentos de mercado. Ao misturar perfeitamente a experiência bancária tradicional com as tecnologias digitais de ponta, a Comerica se posicionou como uma instituição financeira versátil que atende a pequenas empresas, gigantes corporativos e indivíduos de alto nível. Seu inovador modelo de negócios Canvas revela uma abordagem sofisticada que equilibra o relacionamento personalizado dos clientes, a infraestrutura tecnológica robusta e as parcerias estratégicas para criar valor em um ecossistema bancário cada vez mais competitivo.

Comerica Incorporated (CMA) - Modelo de Negócios: Principais Parcerias

Alianças estratégicas com empresas de tecnologia financeira

A Comerica estabeleceu parcerias com as seguintes empresas de tecnologia financeira:

Parceiro	Foco em tecnologia	Ano de implementação
Fiserv	Plataforma bancária principal	2022
Jack Henry & Associados	Soluções bancárias digitais	2023
Xadrez	Integração de dados financeiros	2022

Colaboração de Administração de Pequenas Empresas (SBA)

As parcerias de empréstimos da SBA da Comerica incluem:

• Total de empréstimos SBA em 2023: US $ 487 milhões
• Número de empréstimos SBA processados: 1.243
• Tamanho médio do empréstimo: US $ 392.000

Redes bancárias corporativas e comerciais

Principais redes de parcerias bancárias corporativas:

Rede	Alcance geográfico	Valor da parceria
U.S. Bank Alliance	Regiões Centro -Oeste e Sudoeste	US $ 2,3 bilhões em empréstimos comerciais compartilhados
Wells Fargo Collaboration	Bancos corporativos nacionais	US $ 1,7 bilhão em empréstimos sindicalizados

Parcerias de fornecedores de tecnologia

Parceiros de infraestrutura bancária digital:

• Microsoft Azure - Infraestrutura em nuvem
• Salesforce - Gerenciamento de relacionamento com o cliente
• IBM - soluções de segurança cibernética
• Amazon Web Services - Data Analytics

Investimento total de parceria em 2023: US $ 124 milhões

Comerica Incorporated (CMA) - Modelo de negócios: Atividades -chave

Serviços bancários comerciais e de negócios

A Comerica fornece serviços bancários comerciais com uma carteira total de empréstimos comerciais de US $ 41,7 bilhões a partir do quarto trimestre 2023. O banco atende a aproximadamente 36.000 clientes comerciais em vários mercados.

Categoria de serviço	Receita anual	Segmentos de clientes
Banco do mercado intermediário	US $ 1,2 bilhão	Pequenas a médias empresas
Grande Bancos Corporativos	US $ 875 milhões	Fortune 1000 Companies

Gerenciamento de patrimônio e consultoria de investimento

A Comerica gerencia aproximadamente US $ 53,8 bilhões em ativos de gerenciamento de patrimônio a partir de 2023.

• Serviços bancários privados
• Confiança e planejamento imobiliário
• Gerenciamento de portfólio de investimentos

Empréstimos corporativos e soluções financeiras

O portfólio total de empréstimos corporativos atingiu US $ 67,3 bilhões em 2023, com segmentos de empréstimos especializados, incluindo:

• Empréstimos baseados em ativos
• Financiamento de equipamentos
• Finanças comerciais internacionais

Desenvolvimento da plataforma bancária digital

As transações bancárias digitais aumentaram 22% em 2023, com US $ 4,2 bilhões processado através de canais digitais.

Métrica da plataforma digital	2023 desempenho
Usuários bancários móveis	1,2 milhão
Volume de transações online	38,6 milhões

Gerenciamento de riscos e consultoria financeira

Comerica mantém um Reserva de gerenciamento de risco de US $ 1,6 bilhão com equipes dedicadas monitorando os riscos financeiros em vários setores.

• Avaliação de risco de crédito
• Monitoramento da conformidade regulatória
• Serviços de Consultoria Financeira

Comerica Incorporated (CMA) - Modelo de negócios: Recursos -chave

Extensa rede de filiais

A partir do quarto trimestre 2023, a Comerica opera 566 centros bancários de serviço completo em vários estados, principalmente em:

• Texas: 235 ramos
• Michigan: 142 ramos
• Califórnia: 89 filiais

Infraestrutura de tecnologia bancária digital

Métricas de plataforma digital	2023 dados
Usuários bancários móveis	1,2 milhão
Transações bancárias online	487 milhões anualmente
Investimento bancário digital	US $ 126 milhões

Profissionais de Serviços Financeiros

Total de funcionários: 9.211 (em 31 de dezembro de 2023)

• Corporativo & Banco institucional: 2.345 profissionais
• Banco comercial: 3.678 profissionais
• Gerenciamento de patrimônio: 1.189 profissionais

Reservas de capital e estabilidade financeira

Métrica financeira	2023 valor
Total de ativos	US $ 89,4 bilhões
Índice de capital de camada 1	13.2%
Patrimônio total	US $ 11,3 bilhões

Recursos de dados e análises do cliente

Investimento de análise de dados: US $ 42 milhões em 2023

• Plataformas de modelagem preditiva avançada
• Sistemas de avaliação de risco em tempo real
• Insights de clientes habilitados para aprendizado de máquina

Comerica Incorporated (CMA) - Modelo de Negócios: Proposições de Valor

Soluções financeiras abrangentes para empresas

No quarto trimestre 2023, a Comerica registrou US $ 89,3 bilhões em ativos totais e US $ 75,4 bilhões em empréstimos totais. O banco fornece soluções financeiras direcionadas Em vários segmentos de negócios:

Segmento de negócios	Total de ativos	Foco no mercado
Bancos comerciais	US $ 52,6 bilhões	Negócios de tamanho médio
Banking de negócios	US $ 22,1 bilhões	Pequenas a médias empresas
Banco corporativo	US $ 14,6 bilhões	Grandes clientes corporativos

Experiências bancárias personalizadas

A Comerica oferece soluções bancárias personalizadas com gerentes de relacionamento que atendem verticais específicos da indústria.

• Valor médio do relacionamento do cliente: $ 287.000
• Gerentes de relacionamento dedicados para 78% dos clientes comerciais
• Soluções de crédito personalizadas adaptadas a necessidades de negócios específicas

Tecnologias bancárias digitais inovadoras

Recursos de plataforma digital a partir de 2023:

Serviço digital	Taxa de adoção do usuário
Mobile Banking	62% dos clientes comerciais
Gerenciamento de tesouraria online	47% dos clientes comerciais
Sistemas de pagamento em tempo real	Volume de transação de 34%

Serviços financeiros específicos para o setor especializados

A Comerica fornece serviços especializados nos principais setores:

• Automotivo: US $ 18,4 bilhões em empréstimos específicos da indústria
• Tecnologia: US $ 12,7 bilhões em financiamento do setor de tecnologia
• Saúde: US $ 9,3 bilhões em soluções do setor de saúde

Produtos competitivos de empréstimos e investimentos

Desempenho do produto financeiro em 2023:

Categoria de produto	Volume total	Taxa de juros média
Empréstimos comerciais	US $ 47,2 bilhões	6.75%
Linhas de negócios de crédito	US $ 22,6 bilhões	7.25%
Serviços bancários de investimento	US $ 15,9 bilhões	Varia de acordo com o produto

Comerica Incorporated (CMA) - Modelo de Negócios: Relacionamentos do Cliente

Gerentes de relacionamento dedicados para clientes de negócios

A Comerica atende a aproximadamente 1,5 milhão de clientes comerciais em vários mercados. A partir de 2023, o banco mantém 541 centros bancários de serviço completo principalmente no Texas, Michigan, Califórnia e outros mercados selecionados.

Segmento de clientes	Gerentes de relacionamento	Tamanho médio do portfólio
Negócios do mercado intermediário	237 gerentes dedicados	US $ 48,3 milhões por relacionamento
Grandes clientes corporativos	89 gerentes de relacionamento seniores	US $ 175,6 milhões por relacionamento

Plataformas bancárias de autoatendimento digital

Em 2023, a Comerica relatou 1,2 milhão de usuários de bancos digitais ativos com as seguintes métricas de engajamento digital:

• Downloads de aplicativos bancários móveis: 782.000
• Volume de transação bancária online: 43,7 milhões de transações anuais
• Taxa de abertura da conta digital: 62% das novas contas

Serviços de Consultoria Financeira Personalizada

A Comerica fornece serviços de consultoria especializados em segmentos com a seguinte cobertura:

Tipo de serviço de consultoria	Número de especialistas	Frequência média de interação do cliente
Gestão de patrimônio	412 consultores financeiros	Revisões trimestrais de clientes
Planejamento financeiro de negócios	286 consultores dedicados	Sessões estratégicas bimensais

Suporte e engajamento proativos ao cliente

A Comerica mantém uma infraestrutura abrangente de suporte ao cliente:

• Canais de suporte ao cliente 24/7
• Tempo médio de resposta: 7,2 minutos
• Classificação de satisfação do cliente: 4.6/5

Soluções financeiras personalizadas

A Comerica oferece soluções financeiras segmentadas com abordagem direcionada:

Segmento de clientes	Produtos especializados	Penetração de mercado
Pequenas empresas	8 produtos de empréstimos personalizados	37% de participação de mercado nos mercados principais
Corporações de tamanho médio	12 serviços financeiros especializados	52% de penetração no mercado

Comerica Incorporated (CMA) - Modelo de Negócios: Canais

Rede de ramificação física

A partir de 2023, a Comerica Incorporated opera 495 centros bancários de serviço completo em vários estados, incluindo:

Estado	Número de ramificações
Texas	226
Michigan	139
Califórnia	130

Plataforma bancária online

A plataforma bancária digital da Comerica fornece os seguintes recursos:

• Gerenciamento de contas em tempo real
• Serviços de pagamento da conta
• Declarações eletrônicas
• Transferências de fundos

A plataforma online serve aproximadamente 1,2 milhão de usuários bancários digitais a partir de 2023.

Aplicativo bancário móvel

Principais estatísticas bancárias móveis:

Métrica	Valor
Downloads de aplicativos móveis totais	587,000
Usuários ativos mensais	412,000
Volume de depósito de cheque móvel	US $ 1,3 bilhão

Serviços bancários telefônicos

A Comerica oferece o banco de telefonia 24/7 com:

• Inquéritos do saldo da conta
• Histórico de transações
• Suporte ao cliente

Call Center lida aproximadamente 1,8 milhão de interações de clientes anualmente.

Rede ATM

A infraestrutura ATM da Comerica inclui:

Tipo de atm	Contagem total
Caixas eletrônicos proprietários	340
ATMs de parceiros de rede	1,200
Acesso total ao caixa eletrônico	1,540

Volume anual de transação ATM: 22,6 milhões de transações.

Comerica Incorporated (CMA) - Modelo de negócios: segmentos de clientes

Pequenas e médias empresas

A partir do quarto trimestre 2023, a Comerica atende a aproximadamente 36.500 clientes comerciais pequenos e médios em vários estados. O portfólio total de empréstimos comerciais para este segmento atingiu US $ 29,4 bilhões.

Característica do segmento	Dados específicos
Tamanho médio de empréstimo comercial	US $ 1,2 milhão
Faixa anual de receita de clientes	US $ 5 milhões - US $ 100 milhões
Concentração geográfica	Texas, Califórnia, Michigan

Grandes clientes corporativos

A Comerica gerencia os relacionamentos bancários corporativos com 1.850 grandes clientes corporativos. A receita bancária corporativa para 2023 foi de US $ 612 milhões.

• Receita anual do cliente corporativo médio: US $ 500 milhões - US $ 5 bilhões
• Indústrias de clientes corporativos: tecnologia, fabricação, energia
• Portfólio total de empréstimos corporativos: US $ 42,3 bilhões

Indivíduos de alta rede

O segmento bancário privado inclui 22.700 clientes de alta rede com ativos investíveis médios de US $ 7,6 milhões.

Segmento de riqueza do cliente	Total de ativos sob gestão
Patrimônio líquido ultra alto (> US $ 30 milhões)	US $ 4,2 bilhões
Alto patrimônio líquido (US $ 5 milhões a US $ 30 milhões)	US $ 16,7 bilhões

Investidores imobiliários comerciais

O portfólio de empréstimos imobiliários comerciais totalizou US $ 23,8 bilhões em dezembro de 2023.

• Número de clientes ativos de investimento imobiliário: 1.275
• Tamanho médio do empréstimo imobiliário: US $ 18,6 milhões
• Mercados imobiliários primários: Texas, Califórnia, Michigan

Investidores institucionais

O segmento de clientes institucionais gerencia US $ 87,6 bilhões em ativos a partir de 2023.

Tipo de cliente institucional	Total de ativos
Fundos de pensão	US $ 42,3 bilhões
Doações	US $ 22,1 bilhões
Fundações	US $ 23,2 bilhões

Comerica Incorporated (CMA) - Modelo de Negócios: Estrutura de Custo

Manutenção de infraestrutura de tecnologia

Em 2023, a Comerica relatou despesas de tecnologia e equipamentos de US $ 332 milhões. O investimento em infraestrutura tecnológica do banco incluiu:

• Infraestrutura de computação em nuvem
• Sistemas de segurança cibernética
• Plataformas bancárias digitais

Categoria de despesa de tecnologia	Custo anual ($ m)
Manutenção de hardware	87.5
Licenciamento de software	124.3
Segurança cibernética	62.7

Compensação e treinamento de funcionários

A compensação total dos funcionários pela Comerica em 2023 foi de US $ 1,1 bilhão.

Componente de compensação	Valor ($ m)
Salários da base	678
Bônus de desempenho	276
Treinamento e desenvolvimento	45.2

Despesas operacionais da rede de filiais

A Comerica operava 567 filiais em 2023, com custos operacionais totais de ramificação de US $ 412 milhões.

Categoria de despesa de ramificação	Custo anual ($ m)
Aluguel e instalações	186
Utilitários	54.3
Manutenção	71.7

Custos de conformidade regulatória

As despesas de conformidade regulatória da Comerica em 2023 totalizaram US $ 248 milhões.

• Serviços de Consultoria Jurídica
• Sistemas de monitoramento de conformidade
• Infraestrutura de relatório

Despesas de marketing e aquisição de clientes

As despesas de marketing para a Comerica em 2023 foram de US $ 89 milhões.

Canal de marketing	Despesa ($ m)
Marketing digital	37.5
Mídia tradicional	28.3
Aquisição de clientes	23.2

Comerica Incorporated (CMA) - Modelo de negócios: fluxos de receita

Receita de juros de empréstimos e produtos de crédito

Para o ano fiscal de 2023, a Comerica registrou receita de juros líquidos de US $ 2,64 bilhões. A quebra da carteira de empréstimos inclui:

Categoria de empréstimo	Balanço total
Empréstimos comerciais	US $ 53,4 bilhões
Empréstimos imobiliários	US $ 27,6 bilhões
Empréstimos ao consumidor	US $ 3,2 bilhões

Serviços bancários baseados em taxas

As cobranças e taxas de serviço não interessantes totalizaram US $ 536 milhões em 2023.

• Taxas de manutenção da conta
• Taxas de transação
• Cobranças de cheque especial
• Taxas de transferência de fio

Gerenciamento de patrimônio e taxas de consultoria

A receita de gerenciamento de patrimônio atingiu US $ 218 milhões em 2023.

Categoria de serviço	Receita
Aviso de investimento	US $ 142 milhões
Serviços de confiança	US $ 76 milhões

Receita bancária de investimento

A receita bancária de investimento foi de US $ 187 milhões em 2023.

• Consultor de fusão e aquisição
• Serviços de subscrição
• Transações do mercado de capitais

Serviços de Gerenciamento do Tesouro

As taxas de gerenciamento do Tesouro geraram US $ 295 milhões em 2023.

Serviço do Tesouro	Receita
Gerenciamento de caixa	US $ 156 milhões
Soluções de pagamento	US $ 139 milhões

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.