{"schema_version":"secwatch.filing_event.v1","accession":"0000022356-25-000007","form_type":"8-K","ticker":"CBSH","cik":"0000022356","company_name":"COMMERCE BANCSHARES INC /MO/","filed_at":"2025-01-22T23:59:59+00:00","discovered_at":"2026-05-14T18:03:05.898202+00:00","generated_at":"2026-05-27T21:20:23.729576+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 Q4 EPS $1.01, net income $136.1M, net interest margin 3.49%","bullets":["Diluted EPS $1.01, up from $0.79 YoY; net income $136.1M vs $109.2M YoY.","Net interest income $266.6M, up $4.3M QoQ; net yield 3.49% (down 1 bp).","Non-interest income $155.4M, +$10.6M YoY; trust fees +14.6% YoY.","Non-interest expense $235.7M, -6.2% YoY; efficiency ratio 55.8%.","Non-accrual loans 0.11% of loans; net charge-offs 0.25% annualized."],"urls":{"canonical":"https://secwatch.observer/filing/0000022356-25-000007","json":"https://secwatch.observer/filing/0000022356-25-000007.json","markdown":"https://secwatch.observer/filing/0000022356-25-000007.md","text":"https://secwatch.observer/filing/0000022356-25-000007.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/22356/000002235625000007/0000022356-25-000007-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/22356/000002235625000007/cbsh-20250122.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-27T21:20:23.729576+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"}