This report when read appears to be for the FORMER COMMERCE BANCORP of NEW JERSEY which was acquired by Canadian Bank, Toronto Dominion Bank for $42 per share (a bit above the $22 reference) in Fall, 2007. The referenced website apparently picked up CBSH' symbol in error. Please be careful what you post.
Your referenced JD Powers report is not the the report referenced in this comment line. Yahoo deleted the original web link reference after my posting. The other website link contained an analysis reportedly producing a valuation of $22 value of the bank's stock. The item was deleted because the report related to the stock value of CBH, Commerce Bank, HQ in New Jersey Bank, which was acquired by a Canadian Bank. The deleted web reference page had included CBSH's ticker symbol in error which meant that that posting was in error.