{"schema_version":"secwatch.filing_event.v1","accession":"0000022356-24-000052","form_type":"8-K","ticker":"CBSH","cik":"0000022356","company_name":"COMMERCE BANCSHARES INC /MO/","filed_at":"2024-10-17T23:59:59+00:00","discovered_at":"2026-05-14T18:03:10.647493+00:00","generated_at":"2026-05-30T13:28:01.145935+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"Commerce Bancshares Q3 EPS $1.07, up from $0.92 YoY; trust fees +11.1%","bullets":["EPS $1.07 (diluted) vs $0.92 YoY; net income $138M, up 14.4% from $120.6M in Q3 2023.","Net interest income $262.4M, virtually flat QoQ; net yield on earning assets 3.50% (-5 bps QoQ).","Trust fees grew 11.1% YoY to $54.7M; non-interest income 37.7% of total revenue.","Credit quality remains excellent: non-accrual loans 0.11% of total loans, net charge-offs 0.22% annualized.","Tangible common equity ratio 10.47% (up from 9.82% prior Q); book value per share $26.90, +9.9% QoQ."],"urls":{"canonical":"https://secwatch.observer/filing/0000022356-24-000052","json":"https://secwatch.observer/filing/0000022356-24-000052.json","markdown":"https://secwatch.observer/filing/0000022356-24-000052.md","text":"https://secwatch.observer/filing/0000022356-24-000052.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/22356/000002235624000052/0000022356-24-000052-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/22356/000002235624000052/cbsh-20241017.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-30T13:28:01.145935+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"}