{"schema_version":"secwatch.filing_event.v1","accession":"0000022356-26-000176","form_type":"8-K","ticker":"CBSH","cik":"0000022356","company_name":"COMMERCE BANCSHARES INC /MO/","filed_at":"2026-07-16T13:22:11+00:00","discovered_at":"2026-07-16T13:23:00.202893+00:00","generated_at":"2026-07-16T13:23:09.825905+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 Q2 EPS $1.10, up from $1.09 YoY; NIM expands to 3.77%","bullets":["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%."],"urls":{"canonical":"https://secwatch.observer/filing/0000022356-26-000176","json":"https://secwatch.observer/filing/0000022356-26-000176.json","markdown":"https://secwatch.observer/filing/0000022356-26-000176.md","text":"https://secwatch.observer/filing/0000022356-26-000176.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/22356/000002235626000176/0000022356-26-000176-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/22356/000002235626000176/cbsh-20260716.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-07-16T13:23:09.825905+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":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}