{"schema_version":"secwatch.filing_event.v1","accession":"0000022356-22-000022","form_type":"8-K","ticker":"CBSH","cik":"0000022356","company_name":"COMMERCE BANCSHARES INC /MO/","filed_at":"2022-04-19T23:59:59+00:00","discovered_at":"2026-05-14T18:04:03.074599+00:00","generated_at":"2026-06-26T06:38:20.666007+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"Commerce Bancshares Q1 EPS $0.97, down from $1.06 YoY; net interest margin expands","bullets":["Net income $118.2M ($0.97 diluted EPS) vs $131.0M ($1.06) in Q1 2021 and $114.9M ($0.94) in Q4 2021.","Net interest margin rose 2 bps to 2.45%; average loans up $130.1M QoQ to $15.2B.","Non-interest income fell $15.9M QoQ to $131.8M; net securities gains $7.2M vs net losses $9.7M prior quarter.","Net charge-off ratio 0.12%; non-accrual loans 0.05% of total loans; allowance for credit losses to loans at 0.87%.","Repurchased 795,387 shares at avg $70.22; quarterly dividend raised to $0.265/share from $0.25."],"urls":{"canonical":"https://secwatch.observer/filing/0000022356-22-000022","json":"https://secwatch.observer/filing/0000022356-22-000022.json","markdown":"https://secwatch.observer/filing/0000022356-22-000022.md","text":"https://secwatch.observer/filing/0000022356-22-000022.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/22356/000002235622000022/0000022356-22-000022-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/22356/000002235622000022/cbsh-20220419.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-26T06:38:20.666007+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"}