Your comment about large banks is very correct. They all take a cookie cutter approach to operating their bank. Community banks continue to thrive off the table droppings of the big boys.
Commerce should do well if sold because it has a solid franchise with good market coverage in Missouri. When the next feeding frenzy starts, competition for the Commerce should drive prices to a new high level. The only question that remains for me on Commerce is how management (Kempers) will respond.