{"schema_version":"secwatch.filing_event.v1","accession":"0000022356-24-000004","form_type":"8-K","ticker":"CBSH","cik":"0000022356","company_name":"COMMERCE BANCSHARES INC /MO/","filed_at":"2024-01-18T23:59:59+00:00","discovered_at":"2026-05-14T18:03:26.498407+00:00","generated_at":"2026-06-06T22:09:50.147987+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 Q4 EPS $0.84, net income $109.2M; FDIC charge $16M","bullets":["EPS of $0.84 vs $1.00 in Q4 2022 and $0.92 in Q3 2023; net income $109.2M.","Net interest income $248.4M, NIM expanded 6 bps to 3.17%; non-interest income $144.9M.","FDIC special assessment of $16.0M drove non-interest expense to $251.3M.","Deposits grew $674M across segments; final FHLB advances and brokered deposits matured.","Book value per share increased 14.4% to $22.77; non-accrual loans remained low at 0.04%."],"urls":{"canonical":"https://secwatch.observer/filing/0000022356-24-000004","json":"https://secwatch.observer/filing/0000022356-24-000004.json","markdown":"https://secwatch.observer/filing/0000022356-24-000004.md","text":"https://secwatch.observer/filing/0000022356-24-000004.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/22356/000002235624000004/0000022356-24-000004-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/22356/000002235624000004/cbsh-20240118.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-06T22:09:50.147987+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":"e39ce01d00a7fdd0973e4d0ced7e802ac55484bb","claim":"COMMERCE BANCSHARES INC /MO/ reported financial results for three months ended December 31, 2023.","evidence_excerpt":"A copy of the press release issued January 18, 2024 by Commerce Bancshares, Inc. announcing Fourth Quarter 2023 earnings is furnished under Item 2.02 of this Current Report on Form 8-K as Exhibit 99.1.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/22356/000002235624000004/0000022356-24-000004-index.htm","confidence":0.4,"family_label":"Earnings Releases","details":[{"label":"Period","value":"three months ended December 31, 2023"},{"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"}