{"schema_version":"secwatch.filing_event.v1","accession":"0000022356-23-000054","form_type":"8-K","ticker":"CBSH","cik":"0000022356","company_name":"COMMERCE BANCSHARES INC /MO/","filed_at":"2023-10-18T23:59:59+00:00","discovered_at":"2026-05-14T18:03:31.577964+00:00","generated_at":"2026-06-09T22:04:01.857608+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"confidence":"high","headline":"Commerce Bancshares Q3 EPS $0.96 vs $0.97 YoY; net interest margin down 1bp","bullets":["EPS $0.96, net income $120.6M vs $0.97/$122.8M in Q3 2022.","Net interest income $248.5M, down $1M QoQ; net yield 3.11% (down 1bp).","Average loans grew $299M (1.8%) QoQ to $17.0B; deposits up $359M.","Net charge-offs 0.23% annualized vs 0.16% prior; allowance ratio 0.95%.","Total assets down $1.5B (4.4%) from Q2; cash dividends $0.27/share."],"urls":{"canonical":"https://secwatch.observer/filing/0000022356-23-000054","json":"https://secwatch.observer/filing/0000022356-23-000054.json","markdown":"https://secwatch.observer/filing/0000022356-23-000054.md","text":"https://secwatch.observer/filing/0000022356-23-000054.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/22356/000002235623000054/0000022356-23-000054-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/22356/000002235623000054/cbsh-20231018.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-09T22:04:01.857608+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":"b33439758a7bc9c7cf9239cdece582d94f798a84","claim":"COMMERCE BANCSHARES INC /MO/ reported the three months ended September 30, 2023 results: net income $120.6 million, EPS $.96 per share.","evidence_excerpt":"Commerce Bancshares, Inc. announced earnings of $.96 per share for the three months ended September 30, 2023, compared to $.97 per share in the same quarter last year and $1.02 per share in the second quarter of 2023. Net income for the third quarter of 2023 amounted to $120.6 million, compared to $122.8 million in the third quarter of 2022 and $127.8 million in the prior quarter.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/22356/000002235623000054/0000022356-23-000054-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the three months ended September 30, 2023"},{"label":"Net income","value":"$120.6 million"},{"label":"EPS","value":"$.96 per share"},{"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"}