{"schema_version":"secwatch.filing_event.v1","accession":"0000022356-25-000030","form_type":"8-K","ticker":"CBSH","cik":"0000022356","company_name":"COMMERCE BANCSHARES INC /MO/","filed_at":"2025-04-16T23:59:59+00:00","discovered_at":"2026-05-14T18:02:50.846219+00:00","generated_at":"2026-05-23T13:59:27.220911+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Commerce Bancshares Q1 2025 EPS $0.98 vs $0.82 YoY; record net interest income $269M","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0000022356-25-000030","json":"https://secwatch.observer/filing/0000022356-25-000030.json","markdown":"https://secwatch.observer/filing/0000022356-25-000030.md","text":"https://secwatch.observer/filing/0000022356-25-000030.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/22356/000002235625000030/0000022356-25-000030-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/22356/000002235625000030/cbsh-20250416.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-23T13:59:27.220911+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"}