{"schema_version":"secwatch.filing_event.v1","accession":"0000022356-24-000026","form_type":"8-K","ticker":"CBSH","cik":"0000022356","company_name":"COMMERCE BANCSHARES INC /MO/","filed_at":"2024-04-16T23:59:59+00:00","discovered_at":"2026-05-14T18:03:21.469115+00:00","generated_at":"2026-06-03T22:27:43.301953+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"Commerce Bancshares Q1 EPS $0.86, down from $0.91 YoY; net interest margin expands 16 bps","bullets":["Diluted EPS of $0.86 vs $0.91 YoY and $0.84 QoQ; net income $112.7M.","Net interest margin expanded 16 bps to 3.33%; net interest income up $578k QoQ.","Non-interest expense rose $21.6M YoY, including $10M litigation settlement and $4M FDIC assessment.","Credit quality strong: non-accrual loans at 0.03% of loans, net charge-offs 0.21%.","Trust fees grew 12.7% YoY to $51.1M."],"urls":{"canonical":"https://secwatch.observer/filing/0000022356-24-000026","json":"https://secwatch.observer/filing/0000022356-24-000026.json","markdown":"https://secwatch.observer/filing/0000022356-24-000026.md","text":"https://secwatch.observer/filing/0000022356-24-000026.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/22356/000002235624000026/0000022356-24-000026-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/22356/000002235624000026/cbsh-20240416.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-03T22:27:43.301953+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":"98225027c92ac795d73ffd10aec7ea3a1f17eaec","claim":"COMMERCE BANCSHARES INC /MO/ reported financial results for first quarter 2024.","evidence_excerpt":"A copy of the press release issued April 16, 2024 by Commerce Bancshares, Inc. announcing First Quarter 2024 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/22356/000002235624000026/0000022356-24-000026-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"first quarter 2024"},{"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"}