---
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"
generated_at: "2026-05-18T06:21:09.919278+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- 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
- 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/22356/000002235625000043/0000022356-25-000043-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/22356/000002235625000043/cbsh-20250716.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000022356-25-000043
- JSON: https://secwatch.observer/filing/0000022356-25-000043.json
- Plain text: https://secwatch.observer/filing/0000022356-25-000043.txt

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