secwatch.observer — SEC 8-K summary
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Issuer:     COMMERCE BANCSHARES INC /MO/ (CBSH)
CIK:        0000022356
Form:       8-K
Filed at:   2025-07-16T23:59:59+00:00
Accession:  0000022356-25-000043
Event type: earnings
Sentiment:  positive
Materiality: 0.75
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/22356/000002235625000043/0000022356-25-000043-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/22356/000002235625000043/cbsh-20250716.htm
  HTML page:      https://secwatch.observer/filing/0000022356-25-000043

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