{"schema_version":"secwatch.filing_event.v1","accession":"0000022356-22-000049","form_type":"8-K","ticker":"CBSH","cik":"0000022356","company_name":"COMMERCE BANCSHARES INC /MO/","filed_at":"2022-10-18T23:59:59+00:00","discovered_at":"2026-05-14T18:03:53.083434+00:00","generated_at":"2026-06-23T03:06:40.092226+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 Q3 2022 EPS $1.02, net interest margin expands to 3.01%","bullets":["Net income $122.8M ($1.02 diluted EPS) vs $122.6M ($0.99) in Q3 2021 and $115.8M ($0.96) in Q2 2022.","Net interest income rose $14.0M QoQ to $246.4M; net interest margin increased 22 bps to 3.01%.","Average loans up $160.4M (1.0%) to $15.6B; average deposits declined $973.9M (3.4%) to $27.8B.","Company repurchased 710,879 shares at avg price $70.50; cash dividend $0.265 per share.","Allowance for credit losses on loans increased $5.3M to $143.4M (0.90% of total loans)."],"urls":{"canonical":"https://secwatch.observer/filing/0000022356-22-000049","json":"https://secwatch.observer/filing/0000022356-22-000049.json","markdown":"https://secwatch.observer/filing/0000022356-22-000049.md","text":"https://secwatch.observer/filing/0000022356-22-000049.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/22356/000002235622000049/0000022356-22-000049-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/22356/000002235622000049/cbsh-20221018.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-23T03:06:40.092226+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"}