Commerce Bancshares Q1 2025 EPS $0.98 vs $0.82 YoY; record net interest income $269M

COMMERCE BANCSHARES INC /MO/

2025-Q1 EPS reported $0.98

EPS of $0.98, net income $131.6M, up 16.8% from $112.7M in Q1 2024.
Net interest income $269.1M (record quarter); net yield 3.56%, up 7 bps QoQ.
Trust fees $56.6M, +10.7% YoY; non-interest income $158.9M, +6.8% YoY.
Non-accrual loans 0.13% of total loans; allowance for credit losses 0.96%.
Efficiency ratio 55.6%, improved from 61.67% in Q1 2024.

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