Commerce Bancshares Q2 EPS $1.10, up from $1.09 YoY; NIM expands to 3.77%

COMMERCE BANCSHARES INC /MO/

Net income $159.8M ($1.10 EPS) vs $152.5M ($1.09) in Q2 2025; ROAA 1.84%.
Net interest income $315.1M, up $15.2M QoQ; net yield 3.77% (+18 bps).
Repurchased 2.1M shares for $110M at avg $53.03; dividend $0.275/share.
Completed securities repositioning: sold TIPS, realized $97.7M loss offset by $105.4M Visa gain.
Credit quality improved: net charge-off ratio 0.19% vs 0.30% prior quarter; ACL ratio 0.94%.

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