COMMERCE BANCSHARES INC /MO/
For the period ended Mar 31, 2026. Filed May 7, 2026.
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A company's report for each of its first three quarters. The financial statements are not audited. It shows how the business has moved since the last annual report, and what management says changed.
Mar 31, 2026 · Filed May 7, 2026
CBSH$56.030.0%Stored close · as of Nov 10, 2026
Extracted filing text, with the paragraph anchors used by the comparison.
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Consolidated Statements of Income and (unaudited)
CONSOLIDATED STATEMENTS OF INCOME
| (In thousands, except per share data) | 2026 | 2025 |
|---|---|---|
| (Unaudited) | ||
| INTEREST INCOME | ||
| Interest and fees on loans | $288,384 | $254,194 |
| Interest and fees on loans held for sale | 29 | 23 |
| Interest on investment securities | 72,287 | 76,452 |
| Interest on federal funds sold | 7 | 29 |
| Interest on securities purchased under agreements to resell | 8,455 | 7,418 |
| Interest on deposits with banks | 27,345 | 26,249 |
| Total interest income | 396,507 | 364,365 |
| INTEREST EXPENSE | ||
| Interest on deposits: | ||
| Savings, interest checking and money market | 58,557 | 52,403 |
| Certificates of deposit of less than $100,000 | 8,083 | 8,932 |
| Certificates of deposit of $100,000 and over | 12,098 | 13,319 |
| Interest on federal funds purchased | 1,280 | 1,384 |
| Interest on securities sold under agreements to repurchase | 15,780 | 19,224 |
| Interest on other borrowings | 869 | 1 |
| Total interest expense | 96,667 | 95,263 |
| Net interest income | 299,840 | 269,102 |
| Provision for credit losses | 10,960 | 14,487 |
| Net interest income after credit losses | 288,880 | 254,615 |
| NON-INTEREST INCOME | ||
| Trust fees | 71,049 | 56,592 |
| Bank card transaction fees | 45,585 | 45,593 |
| Deposit account charges and other fees | 28,578 | 26,622 |
| Consumer brokerage services | 5,444 | 4,785 |
| Capital market fees | 5,338 | 5,112 |
| Loan fees and sales | 3,243 | 3,404 |
| Other | 16,614 | 16,841 |
| Total non-interest income | 175,851 | 158,949 |
| INVESTMENT SECURITIES GAINS (LOSSES), NET | 11,647 | (7,591) |
| NON-INTEREST EXPENSE | ||
| Salaries and employee benefits | 180,787 | 153,078 |
| Data processing and software | 38,328 | 32,238 |
| Professional and other services | 18,792 | 10,026 |
| Net occupancy | 15,308 | 14,020 |
| Marketing | 6,957 | 5,843 |
| Equipment | 5,671 | 5,248 |
| Supplies and communication | 5,238 | 5,046 |
| Deposit insurance | 3,914 | 3,744 |
| Other | 16,131 | 9,133 |
| Total non-interest expense | 291,126 | 238,376 |
| Income before income taxes | 185,252 | 167,597 |
| Less income taxes | 40,881 | 36,964 |
| Net income | 144,371 | 130,633 |
| Less non-controlling interest expense (income) | 2,748 | (959) |
| Net income attributable to Commerce Bancshares, Inc. | $141,623 | $131,592 |
| Net income per common share — basic | $.96 | $.93 |
| Net income per common share — diluted | $.96 | $.93 |
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