{"schema_version":"secwatch.filing_event.v1","accession":"0000022356-22-000040","form_type":"8-K","ticker":"CBSH","cik":"0000022356","company_name":"COMMERCE BANCSHARES INC /MO/","filed_at":"2022-07-21T23:59:59+00:00","discovered_at":"2026-05-14T18:03:57.704792+00:00","generated_at":"2026-06-24T10:21:26.372679+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Commerce Bancshares Q2 EPS $0.96, down 27% YoY; NIM expands 34 bps to 2.79%","bullets":["EPS $0.96 vs $1.32 in Q2 2021 and $0.97 in Q1 2022; net income $115.8M, down 29% YoY.","Net interest income $232.4M, up $23.6M QoQ; net interest margin 2.79% vs 2.45% prior quarter.","Average loans increased $262.4M QoQ to $15.5B; average deposits declined $622.5M QoQ to $28.7B.","Non-accrual loans remain low at $7.9M, 0.05% of total loans; allowance for credit losses ratio 0.88%.","Purchased 846,223 shares at avg $67.77 in Q2; cash dividend maintained at $0.265 per share."],"urls":{"canonical":"https://secwatch.observer/filing/0000022356-22-000040","json":"https://secwatch.observer/filing/0000022356-22-000040.json","markdown":"https://secwatch.observer/filing/0000022356-22-000040.md","text":"https://secwatch.observer/filing/0000022356-22-000040.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/22356/000002235622000040/0000022356-22-000040-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/22356/000002235622000040/cbsh-20220721.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-24T10:21:26.372679+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"}