---
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"
generated_at: "2026-05-23T13:59:27.220911+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000022356-25-000030
- JSON: https://secwatch.observer/filing/0000022356-25-000030.json
- Plain text: https://secwatch.observer/filing/0000022356-25-000030.txt

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