secwatch.observer — SEC 8-K summary
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Issuer:     COMMERCE BANCSHARES INC /MO/ (CBSH)
CIK:        0000022356
Form:       8-K
Filed at:   2025-01-22T23:59:59+00:00
Accession:  0000022356-25-000007
Event type: earnings
Sentiment:  positive
Materiality: 0.70
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/22356/000002235625000007/0000022356-25-000007-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/22356/000002235625000007/cbsh-20250122.htm
  HTML page:      https://secwatch.observer/filing/0000022356-25-000007

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