{"schema_version":"secwatch.filing_event.v1","accession":"0000022356-22-000003","form_type":"8-K","ticker":"CBSH","cik":"0000022356","company_name":"COMMERCE BANCSHARES INC /MO/","filed_at":"2022-01-19T23:59:59+00:00","discovered_at":"2026-05-14T18:04:09.152463+00:00","generated_at":"2026-06-27T17:20:33.767359+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"Commerce Bancshares Q4 EPS $0.94, down vs $1.05 YoY and $0.99 QoQ","bullets":["Q4 net income $114.9M vs $129.9M YoY and $122.6M prior quarter; EPS $0.94.","Net interest income $207.7M, margin 2.43% (down 15 bps); average loans fell $165.9M QoQ.","Non-interest income $147.7M (+$10.2M QoQ); trust fees +16.5% YoY, bank card fees +12%.","Credit quality strong: net charge-offs 0.11%, non-accrual loans $9.2M (0.06% of loans).","Repurchased 696k shares at avg $70.81; quarterly dividend $0.25 unchanged."],"urls":{"canonical":"https://secwatch.observer/filing/0000022356-22-000003","json":"https://secwatch.observer/filing/0000022356-22-000003.json","markdown":"https://secwatch.observer/filing/0000022356-22-000003.md","text":"https://secwatch.observer/filing/0000022356-22-000003.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/22356/000002235622000003/0000022356-22-000003-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/22356/000002235622000003/cbsh-20220119.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-27T17:20:33.767359+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"}