Commerce Bancshares Q2 EPS $1.14 vs $1.03 YoY; record NII $280M

COMMERCE BANCSHARES INC /MO/

2025-Q2 EPS reported $2.12 vs consensus $1.01 ▲ beat (+110.7%)

Net income $152.5M ($1.14/sh), up 9.3% YoY; ROA 1.95%, ROE 17.40%.
Net interest income $280.1M (record); net yield 3.70%, up 14 bps from prior quarter.
Non-interest income $165.6M, up 8.8% YoY led by trust and bank card fees; efficiency ratio 54.8%.
Average loans $17.5B, up 1.5% sequentially; non-accrual loans at 0.11% of total loans.
Announced acquisition of FineMark Holdings in June; dividend held at $0.275/sh.

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