---
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"
generated_at: "2026-05-27T21:20:23.729576+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# Commerce Bancshares Q4 EPS $1.01, net income $136.1M, net interest margin 3.49%

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000022356-25-000007
- JSON: https://secwatch.observer/filing/0000022356-25-000007.json
- Plain text: https://secwatch.observer/filing/0000022356-25-000007.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.