---
schema_version: "secwatch.filing_event.v1"
accession: "0000022356-21-000044"
form_type: "8-K"
ticker: "CBSH"
cik: "0000022356"
company_name: "COMMERCE BANCSHARES INC /MO/"
filed_at: "2021-10-19T23:59:59+00:00"
generated_at: "2026-06-28T20:06:12.590919+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.6
calibrated_materiality_score: 0.6
confidence: "high"
source: SEC EDGAR
---

# Commerce Bancshares Q3 EPS $1.05 vs $1.06 YoY; trust fees +20.1%

## Summary
- Diluted EPS $1.05, net income $122.6M vs $132.4M YoY.
- Trust fees $49.0M up 20.1% YoY; bank card fees $42.8M up 13% YoY.
- Net charge-offs $3.7M (0.10% annualized); non-performing assets $10.5M.
- Average loans down $731.5M QoQ (incl. $689M PPP forgiveness); avg deposits up $344M.
- Dividend $0.263/share (+2.1% YoY); repurchased 575,457 shares in Q3.

## SEC filing metadata
- accession: 0000022356-21-000044
- form_type: 8-K
- ticker: CBSH
- cik: 0000022356
- company_name: COMMERCE BANCSHARES INC /MO/
- filed_at: 2021-10-19T23:59:59+00:00
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.6
- calibrated_materiality_score: 0.6
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/22356/000002235621000044/0000022356-21-000044-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/22356/000002235621000044/cbsh-20211019.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000022356-21-000044
- JSON: https://secwatch.observer/filing/0000022356-21-000044.json
- Plain text: https://secwatch.observer/filing/0000022356-21-000044.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.