{"schema_version":"secwatch.filing_event.v1","accession":"0000022356-23-000046","form_type":"8-K","ticker":"CBSH","cik":"0000022356","company_name":"COMMERCE BANCSHARES INC /MO/","filed_at":"2023-07-19T23:59:59+00:00","discovered_at":"2026-05-14T18:03:36.191766+00:00","generated_at":"2026-06-13T06:36:05.604832+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"Commerce Bancshares Q2 EPS $1.02, net income $127.8M; deposits up 4.8% QoQ","bullets":["Diluted EPS of $1.02 vs $0.92 YoY; net income $127.8M vs $115.8M YoY.","Revenue $397.1M (record); net interest income $249.5M, down $2.1M QoQ; net yield 3.12% (-14bp QoQ).","Period-end deposits $25.87B, up $1.2B (4.8%) vs March 31; avg loan balances $16.67B, +1.6% QoQ.","Non-interest income $147.6M, +$8.2M YoY; non-interest expense $227.6M, +$14.1M YoY.","Annualized net charge-off ratio 0.16%; ACL to loans 0.94%; non-accrual loans 0.04% of total loans."],"urls":{"canonical":"https://secwatch.observer/filing/0000022356-23-000046","json":"https://secwatch.observer/filing/0000022356-23-000046.json","markdown":"https://secwatch.observer/filing/0000022356-23-000046.md","text":"https://secwatch.observer/filing/0000022356-23-000046.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/22356/000002235623000046/0000022356-23-000046-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/22356/000002235623000046/cbsh-20230719.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-13T06:36:05.604832+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":[{"claim_id":"90f1ca5cd5d746a57944dcb4e448b8f976283f22","claim":"COMMERCE BANCSHARES INC /MO/ reported Second Quarter 2023 results: revenue 397,143, net income $127,789, EPS $1.02.","evidence_excerpt":"2023 Jun. 30, 2022 FINANCIAL SUMMARY Net interest income $249,538 $251,623 $232,385 $501,161 $441,171 Non-interest income 147,605 137,612 139,427 285,217 271,196 Total revenue 397,143 389,235 371,812 786,378 712,367 Investment securities gains (losses) 3,392 (306) 1,029 3,086 8,192 Provision for credit losses 6,471 11,456 7,162 17,927 (2,696) Non-interest","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/22356/000002235623000046/0000022356-23-000046-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"Second Quarter 2023"},{"label":"Revenue","value":"397,143"},{"label":"Net income","value":"$127,789"},{"label":"EPS","value":"$1.02"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"},{"claim_id":"f906e8237ba31bf42c1461699ac0f778ee1cacda","claim":"COMMERCE BANCSHARES INC /MO/ reported the six months ended June 30, 2023 results: revenue 786,378, net income $247,241, EPS $1.97.","evidence_excerpt":"SUMMARY Net interest income $249,538 $251,623 $232,385 $501,161 $441,171 Non-interest income 147,605 137,612 139,427 285,217 271,196 Total revenue 397,143 389,235 371,812 786,378 712,367 Investment securities gains (losses) 3,392 (306) 1,029 3,086 8,192 Provision for credit losses 6,471 11,456 7,162 17,927 (2,696) Non-interest expense 227,611 224,107","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/22356/000002235623000046/0000022356-23-000046-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the six months ended June 30, 2023"},{"label":"Revenue","value":"786,378"},{"label":"Net income","value":"$247,241"},{"label":"EPS","value":"$1.97"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}