secwatch.observer — SEC 8-K summary
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Issuer:     COMMERCE BANCSHARES INC /MO/ (CBSH)
CIK:        0000022356
Form:       8-K
Filed at:   2025-10-16T23:59:59+00:00
Accession:  0000022356-25-000089
Event type: earnings
Sentiment:  positive
Materiality: 0.75
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/22356/000002235625000089/0000022356-25-000089-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/22356/000002235625000089/cbsh-20251016.htm
  HTML page:      https://secwatch.observer/filing/0000022356-25-000089

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer