---
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"
generated_at: "2026-07-16T13:23:09.825905+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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%.

## SEC filing metadata
- 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
- 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/22356/000002235626000176/0000022356-26-000176-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/22356/000002235626000176/cbsh-20260716.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000022356-26-000176
- JSON: https://secwatch.observer/filing/0000022356-26-000176.json
- Plain text: https://secwatch.observer/filing/0000022356-26-000176.txt

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