secwatch.observer — SEC 8-K summary
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Issuer:     COMMERCE BANCSHARES INC /MO/ (CBSH)
CIK:        0000022356
Form:       8-K
Filed at:   2025-04-16T23:59:59+00:00
Accession:  0000022356-25-000030
Event type: earnings
Sentiment:  positive
Materiality: 0.75
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/22356/000002235625000030/0000022356-25-000030-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/22356/000002235625000030/cbsh-20250416.htm
  HTML page:      https://secwatch.observer/filing/0000022356-25-000030

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