{"schema_version":"secwatch.filing_event.v1","accession":"0000022356-26-000123","form_type":"8-K","ticker":"CBSH","cik":"0000022356","company_name":"COMMERCE BANCSHARES INC /MO/","filed_at":"2026-04-21T23:59:59+00:00","discovered_at":"2026-05-14T18:02:33.517119+00:00","generated_at":"2026-05-15T05:12:07.675845+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Commerce Bancshares Q1 EPS $0.96 up from $0.93 YoY; FineMark acquisition closed","bullets":["Net income $141.6M, EPS $0.96 vs $0.93 YoY and $1.01 in Q4 2025.","Completed FineMark acquisition (Jan 1 2026) adding $3.9B assets; NII up $16.7M QoQ.","Non-interest income $175.9M (+10.6% YoY); trust fees up 25.5%.","Non-interest expense $291.1M incl $14M acquisition costs; efficiency ratio 60.0%.","Average loans $20.3B (+$2.7B QoQ); net charge-offs 0.30%; ACL 0.97%."],"urls":{"canonical":"https://secwatch.observer/filing/0000022356-26-000123","json":"https://secwatch.observer/filing/0000022356-26-000123.json","markdown":"https://secwatch.observer/filing/0000022356-26-000123.md","text":"https://secwatch.observer/filing/0000022356-26-000123.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/22356/000002235626000123/0000022356-26-000123-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/22356/000002235626000123/cbsh-20260421.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-15T05:12:07.675845+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[{"claim_id":"7223b6ecde2c4374b1a4adfe273dd97a81b9495f","claim":"COMMERCE BANCSHARES INC /MO/ reported the three months ended March 31, 2026 results: revenue $475,691, net income $141,623, EPS $.96.","evidence_excerpt":"share data) Mar. 31, 2026 Dec. 31, 2025 Mar. 31, 2025 FINANCIAL SUMMARY Net interest income $299,840 $283,152 $269,102 Non-interest income 175,851 166,208 158,949 Total revenue 475,691 449,360 428,051 Investment securities gains (losses) 11,647 2,929 (7,591) Provision for credit losses 10,960 15,993 14,487 Non-interest expense 291,126 252,995 238,376 Income","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/22356/000002235626000123/0000022356-26-000123-index.htm","confidence":0.99,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the three months ended March 31, 2026"},{"label":"Revenue","value":"$475,691"},{"label":"Net income","value":"$141,623"},{"label":"EPS","value":"$.96"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}