Commerce Bancshares Q3 EPS $1.06, net income $141.5M; trust fees up 6.8% YoY

COMMERCE BANCSHARES INC /MO/

2025-Q3 EPS reported $3.18 vs consensus $1.07 ▲ beat (+198.5%)

Diluted EPS $1.06 vs $1.01 YoY; net income $141.5M vs $138.0M YoY.
Net interest income $279.5M; net yield 3.64% (down 6 bps QoQ).
Trust fees rose 6.8% to $58.4M; non-interest income $161.5M.
Average loans flat at $17.5B; allowance for credit losses up to $175.7M (0.99% of loans).
FineMark acquisition on track to close January 1, 2026.

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