{"schema_version":"secwatch.filing_event.v1","accession":"0000022356-21-000037","form_type":"8-K","ticker":"CBSH","cik":"0000022356","company_name":"COMMERCE BANCSHARES INC /MO/","filed_at":"2021-07-22T23:59:59+00:00","discovered_at":"2026-05-14T18:04:20.223541+00:00","generated_at":"2026-06-30T03:25:48.707361+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.78,"calibrated_materiality_score":0.78,"confidence":"high","headline":"Commerce Bancshares Q2 EPS $1.38 vs $0.32 YoY; reserve release boosts earnings","bullets":["Net income $162.3M ($1.38 EPS) vs $39.9M ($0.32) in Q2 2020; provision for credit losses negative $45.7M (release).","Return on avg assets 1.93%, ROE 19.12%; net yield on earning assets 2.60%, down 11 bps QoQ.","Average loans fell $342.5M QoQ due to PPP forgiveness; average deposits grew $1.2B (4.6%).","Credit quality improved: net charge-offs $699K (0.02% annualized); non-performing assets halved to $11.4M.","Cash dividend raised 2.1% to $0.263/share; bought back 181,252 shares in quarter."],"urls":{"canonical":"https://secwatch.observer/filing/0000022356-21-000037","json":"https://secwatch.observer/filing/0000022356-21-000037.json","markdown":"https://secwatch.observer/filing/0000022356-21-000037.md","text":"https://secwatch.observer/filing/0000022356-21-000037.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/22356/000002235621000037/0000022356-21-000037-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/22356/000002235621000037/cbsh-20210722.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-30T03:25:48.707361+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}