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COMMERCE BANCSHARES INC /MO/

CIK: 22356 SIC: 6022
$1.11B
Net Interest Income
$566.25M
Net Income
55.5%
Efficiency Ratio
3.38%
Net Int. Margin
14.9%
ROE
Financial Statements Quarterly (10-Q)
Showing 7 of 47 quarterly reports available
Breakdown Q4 2025
(Dec 31, 2025)
Q3 2025
(Sep 30, 2025)
Q2 2025
(Jun 30, 2025)
Q1 2025
(Mar 31, 2025)
Q4 2024
(Dec 31, 2024)
Q3 2024
(Sep 30, 2024)
Q2 2024
(Jun 30, 2024)
Interest Income $373.62M $374.11M $371.64M $364.37M $369.40M $372.07M $369.36M
Interest Expense $90.47M $94.65M $91.49M $95.26M $102.76M $109.72M $107.11M
Net Interest Income $283.15M $279.46M $280.15M $269.10M $266.65M $262.35M $262.25M
Provision for Credit Losses $15.99M $20.06M $5.60M $14.49M $13.51M - -
Net Interest Income After Provision $267.16M $259.40M $274.55M $254.62M $253.14M $253.21M $256.78M
Non-Interest Income $166.21M $161.51M $165.61M $158.95M $155.44M $159.03M $152.24M
Other Non-Interest Income $4.23M $5.14M $6.17M $5.11M $5.13M $6.00M $4.76M
Non-Interest Expense $253.00M $244.02M $244.44M $238.38M $235.72M $237.60M $232.21M
Compensation & Benefits $162.89M $157.46M $155.03M $153.08M $153.82M $153.12M $149.12M
Occupancy Expense $13.17M $13.47M $13.65M $14.02M $13.69M $13.41M $12.54M
Technology & Equipment $35.27M $33.55M $32.90M $32.24M $32.51M $32.19M $31.53M
Professional Fees $14.57M $11.28M $12.97M $10.03M $8.98M $8.83M -
Other Non-Interest Expense $10.45M $8.24M $10.48M $9.13M $7.67M $9.59M $21.58M
Income Before Tax $183.30M $184.77M $196.16M $167.60M $173.83M $178.51M $180.04M
Income Tax Expense $40.62M $41.15M $42.40M $36.96M $36.59M $38.24M $38.60M
Net Income $140.66M $141.52M $152.48M $131.59M $136.11M $138.01M $139.55M
Basic EPS nan 1.06 1.14 0.98 nan 1.07 1.07
Diluted EPS nan 1.06 1.14 0.98 nan 1.07 1.07
Breakdown Q4 2025
(Dec 31, 2025)
Q3 2025
(Sep 30, 2025)
Q2 2025
(Jun 30, 2025)
Q1 2025
(Mar 31, 2025)
Q4 2024
(Dec 31, 2024)
Q3 2024
(Sep 30, 2024)
Q2 2024
(Jun 30, 2024)
Cash & Due from Banks $803.24M $476.44M $522.05M $517.33M $748.36M $507.94M $329.69M
Interest-Bearing Deposits $2.74B $2.48B $2.62B $2.76B $2.62B $2.64B $2.22B
Trading Assets $40.08M - - - $38.03M - -
Investment Securities - AFS $9.10B $9.00B $8.92B $9.26B $9.14B $9.17B $8.53B
Loans & Leases (Gross) $17.77B $17.79B $17.67B $17.38B $17.22B - -
Allowance for Loan Losses - - - - - $160.84M $158.56M
Loans & Leases (Net) $17.59B $17.61B $17.50B $17.21B $17.06B $16.93B $17.00B
Goodwill & Intangibles $146.54M $146.54M $146.54M $146.54M $146.54M $146.54M $146.54M
Premises & Equipment $485.70M $483.00M $477.40M $476.92M $475.27M $469.99M $467.26M
Other Assets $852.38M $892.59M $910.03M $787.86M $837.29M $823.49M $997.42M
Total Assets $32.92B $32.29B $32.28B $32.36B $32.00B $31.49B $30.57B
Total Deposits $25.64B $25.46B $25.49B $25.84B $25.29B $25.24B $24.28B
Fed Funds Purchased & Repos $2.99B $2.47B $2.60B $2.40B $2.93B $2.18B $2.55B
Other Liabilities $458.30M $555.26M $518.60M $606.99M $443.69M $609.83M $576.38M
Total Liabilities $29.10B $28.50B $28.62B $28.87B $28.66B $28.04B $27.41B
Common Stock $692.94M $676.05M $676.05M $676.05M $676.05M $655.32M $655.32M
Retained Earnings $131.83M $360.72M $255.94M $140.22M $45.49M $338.51M $235.30M
Treasury Stock $48.00M $121.97M $96.59M $85.87M $48.40M $139.15M $98.18M
AOCI $-507.69M $-533.67M $-581.05M $-634.58M $-758.91M $-576.90M $-807.82M
Total Stockholders Equity $3.79B $3.77B $3.64B $3.48B $3.31B $3.43B $3.14B
Total Liabilities & Equity $32.92B $32.29B $32.28B $32.36B $32.00B $31.49B $30.57B
Breakdown Q4 2025
(Dec 31, 2025)
Q3 2025
(Sep 30, 2025)
Q2 2025
(Jun 30, 2025)
Q1 2025
(Mar 31, 2025)
Q4 2024
(Dec 31, 2024)
Q3 2024
(Sep 30, 2024)
Q2 2024
(Jun 30, 2024)
Net Income $140.66M $141.52M $152.48M $131.59M $136.11M $390.22M $252.22M
Provision for Credit Losses $15.99M $20.06M $5.60M $14.49M $13.51M - -
Stock-based Compensation $4.41M $12.86M $8.46M $4.43M $4.30M $12.73M $8.45M
Net Change in Trading Assets $-11.27M $26.59M $2.02M $21.28M $-7.30M $25.77M $13.59M
Operating Cash Flow $266.32M $378.82M $249.80M $138.60M $-136.66M $714.51M $282.83M
Maturities of Securities $357.45M $1.42B $958.19M $542.46M $380.05M $1.75B $1.17B
Net Change in Loans $-4.88M $598.90M $466.48M $170.57M $140.80M $-86.13M $-23.69M
Capital Expenditures $13.74M $39.01M $23.27M $12.59M $14.02M $32.11M $19.50M
Acquisitions - - - - - - -
Investing Cash Flow $-62.09M $-400.28M $-250.73M $-373.43M $-484.89M $968.68M $1.21B
Common Stock Repurchased $115.30M $92.27M $67.05M $55.18M $46.91M $123.56M $79.89M
Dividends Paid $36.24M $114.00M $77.00M $37.89M $34.61M $110.48M $70.10M
Financing Cash Flow $389.26M $-400.31M $-228.72M $132.73M $847.43M $-1.22B $-1.63B
SEC Filing Format - Data shown as it appears in the Q3 2025 (10-Q) filing Period ended: Sep 30, 2025
Condensed Consolidated Statements of Operations
Description Sep 30, 2025 Sep 30, 2025
Current Prior Year Current YTD Prior Year YTD
Interest Expense $94.65M $109.72M $275.25M $329.12M
Income Before Tax $184.77M $178.51M $548.53M $505.66M
Income Tax Expense $41.15M $38.24M $120.52M $108.50M
Net Income $141.52M $138.01M $425.59M $390.22M
Basic EPS 1.06 1.02 3.18 2.87
Diluted EPS 1.06 1.01 3.18 2.86
Condensed Consolidated Balance Sheets
Description Sep 30, 2025 Dec 31, 2024
Property Plant & Equipment $483.00M $475.27M
Goodwill $146.54M $146.54M
Intangible Assets $13.33M $13.63M
Total Assets $32.29B $32.00B
Total Liabilities $28.50B $28.66B
Common Stock $676.05M $676.05M
Retained Earnings $360.72M $45.49M
Treasury Stock $121.97M $48.40M
Total Stockholders Equity $3.77B $3.31B
Total Liabilities & Equity $32.29B $32.00B
Condensed Consolidated Statements of Cash Flows
Description Sep 30, 2025 Sep 30, 2025
Current Prior Year Current YTD Prior Year YTD
Net Income $141.52M $138.01M $425.59M $390.22M
Stock-based Compensation - - $12.86M $12.73M
Operating Cash Flow - - $378.82M $714.51M
Capital Expenditure - - $39.01M $32.11M
Purchases of Investments - - $1.00B $2.10B
Sales of Investments - - $1.42B $1.75B
Investing Cash Flow - - $-400.28M $968.68M
Stock Repurchased - - $92.27M $123.56M
Dividends Paid - - $114.00M $110.48M
Financing Cash Flow - - $-400.31M $-1.22B

All values are in USD (United States Dollars). Data is sourced from SEC EDGAR 10-Q filings.

Quarterly data represents single quarter results (Q1-Q4). Some items may show year-to-date values if quarterly breakdown is unavailable.

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