{"schema_version":"secwatch.filing_event.v1","accession":"0000022356-24-000044","form_type":"8-K","ticker":"CBSH","cik":"0000022356","company_name":"COMMERCE BANCSHARES INC /MO/","filed_at":"2024-07-18T23:59:59+00:00","discovered_at":"2026-05-14T18:03:15.437481+00:00","generated_at":"2026-05-31T19:55:13.899814+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 $1.07 vs $0.97 YoY; net interest margin expands 22 bps to 3.55%","bullets":["Net income $139.6M ($1.07 diluted EPS) vs $127.8M ($0.97) in Q2 2023; total revenue $414.5M.","Net interest margin rose 22 bps QoQ to 3.55%; NII $262.2M, up $13.3M from Q1 2024.","Trust fees +10.6% YoY to $52.3M; deposit account fees +11.9% to $25.3M.","Non-accrual loans just 11 bps of total loans; net charge-off ratio 0.23% annualized.","Tier 1 leverage ratio 12.13%; book value $24.48, up 19.4% YoY."],"urls":{"canonical":"https://secwatch.observer/filing/0000022356-24-000044","json":"https://secwatch.observer/filing/0000022356-24-000044.json","markdown":"https://secwatch.observer/filing/0000022356-24-000044.md","text":"https://secwatch.observer/filing/0000022356-24-000044.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/22356/000002235624000044/0000022356-24-000044-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/22356/000002235624000044/cbsh-20240718.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-31T19:55:13.899814+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"}