---
schema_version: "secwatch.filing_event.v1"
accession: "0000022356-25-000089"
form_type: "8-K"
ticker: "CBSH"
cik: "0000022356"
company_name: "COMMERCE BANCSHARES INC /MO/"
filed_at: "2025-10-16T23:59:59+00:00"
generated_at: "2026-05-17T03:36:46.296378+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- accession: 0000022356-25-000089
- form_type: 8-K
- ticker: CBSH
- cik: 0000022356
- company_name: COMMERCE BANCSHARES INC /MO/
- filed_at: 2025-10-16T23:59:59+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/22356/000002235625000089/0000022356-25-000089-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/22356/000002235625000089/cbsh-20251016.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000022356-25-000089
- JSON: https://secwatch.observer/filing/0000022356-25-000089.json
- Plain text: https://secwatch.observer/filing/0000022356-25-000089.txt

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