{"schema_version":"secwatch.filing_event.v1","accession":"0000022356-25-000043","form_type":"8-K","ticker":"CBSH","cik":"0000022356","company_name":"COMMERCE BANCSHARES INC /MO/","filed_at":"2025-07-16T23:59:59+00:00","discovered_at":"2026-05-14T18:02:45.985938+00:00","generated_at":"2026-05-18T06:21:09.919278+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 Q2 EPS $1.14 vs $1.03 YoY; record NII $280M","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0000022356-25-000043","json":"https://secwatch.observer/filing/0000022356-25-000043.json","markdown":"https://secwatch.observer/filing/0000022356-25-000043.md","text":"https://secwatch.observer/filing/0000022356-25-000043.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/22356/000002235625000043/0000022356-25-000043-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/22356/000002235625000043/cbsh-20250716.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-18T06:21:09.919278+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"}