Over the past two decades many financial services companies, such as J.P. Morgan Chase ( JPM) and Bank of America ( BAC), have built themselves into giants through aggressive acquisitions in order to provide a financial supermarket of services. However, mature conglomerates like these have saturated their markets, and we believe investors should look to smaller, more focused companies that can deliver outsized earnings growth. One such company is Commerce Bancorp ( CBH), which concentrates on consumer banking. We would add Commerce to the Breakout Stocks model portfolio if it was a smaller company; our universe is limited to stocks under $5 billion in market cap. But we still wanted to pass it on to readers as a stock to consider. When it comes to branch banking, Commerce is clearly the smartest in the business. Commerce has a cutting-edge strategy in consumer banking, aiming to out-service competitors rather than undercutting them on price. For example, Commerce's branches open earlier in the morning and close later in the evening than competing banks, and don't stick customers with hidden fees. While other banks such as Wachovia ( WB) are expanding their branch hours, Commerce is at an advantage because the bigger banks are adding an extra layer of operating expenses (worker salaries, etc.), while Commerce was built from the ground up with this expense in mind. Some see Commerce's competitors expanding their branch hours as a competitive threat, which may be true, but it is also confirmation of Commerce's strategy. Commerce's customer-focused strategy has allowed it to grow its deposits dramatically faster than its competitors'. According to Capital IQ, total deposits grew from $7.4 billion in 2000 to $34.7 billion at the end of 2005, an increase of 368%. This drove earnings growth of more than 20% annually for the same period. For comparison, Citigroup ( C) grew its deposits by 97% during the same period, with annual earnings growth of 10%.