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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 Annual (10-K)
Showing 16 of 16 annual reports available (2010 - 2025)
Breakdown TTM
(Dec 31, 2025)
FY 2025
(Dec 31, 2025)
FY 2024
(Dec 31, 2024)
FY 2023
(Dec 31, 2023)
FY 2022
(Dec 31, 2022)
FY 2021
(Dec 31, 2021)
FY 2020
(Dec 31, 2020)
FY 2019
(Dec 31, 2019)
FY 2018
(Dec 31, 2018)
FY 2017
(Dec 31, 2017)
FY 2016
(Dec 31, 2016)
FY 2015
(Dec 31, 2015)
FY 2014
(Dec 31, 2014)
FY 2013
(Dec 31, 2013)
FY 2012
(Dec 31, 2012)
FY 2011
(Dec 31, 2011)
FY 2010
(Dec 31, 2010)
Interest Income $1.48B $1.48B $1.47B $1.38B $998.98M $848.29M $872.65M $924.68M $889.20M $777.41M $713.05M $662.42M $648.29M $650.28M $677.97M $697.97M $729.48M
Interest Expense $371.87M $371.87M $429.31M $383.16M $56.79M $12.87M $42.80M $103.39M $65.38M $43.73M $33.00M $28.10M $28.09M $30.91M $38.06M $51.90M $83.55M
Net Interest Income $1.11B $1.11B $1.04B $998.13M $942.18M $835.42M $829.85M $821.29M $823.83M $733.68M $680.05M $634.32M $620.20M $619.37M $639.91M $646.07M $645.93M
Provision for Credit Losses $56.14M $56.14M $32.90M $35.45M $28.07M - - - - - - - - - - - -
Net Interest Income After Provision $1.06B $1.06B $1.01B $962.68M $914.11M $901.75M $692.66M $770.86M $781.13M $688.43M $643.73M $605.59M $590.67M $599.02M $612.62M $594.55M $545.93M
Non-Interest Income $652.28M $652.28M $615.55M $573.04M $546.53M $560.39M $505.87M $524.70M $501.34M $486.60M $474.39M $447.56M $435.98M $418.39M $399.63M $392.92M $405.11M
Other Non-Interest Income $20.66M $20.66M $19.78M $14.10M $14.23M $15.94M $14.58M $8.15M $7.72M $8.00M $10.65M $11.48M $12.67M $14.13M - - -
Non-Interest Expense $979.83M $979.83M $951.23M $930.98M $848.78M $805.90M $768.38M $767.40M $737.82M $769.68M $717.07M $675.90M $657.77M $629.63M $618.47M $617.25M $631.13M
Compensation & Benefits $628.45M $628.45M $607.86M $584.06M $554.05M $525.25M $512.99M $492.93M $468.19M $448.32M $427.31M $400.70M $384.10M $366.87M $360.90M $345.32M $346.55M
Occupancy Expense $54.32M $54.32M $53.22M $53.63M $49.12M $48.19M $46.65M $47.16M $46.04M $45.61M $46.29M $44.79M $45.83M $45.64M $45.53M $46.43M $46.99M
Technology & Equipment $133.97M $133.97M $127.39M $118.76M $110.69M $101.79M $95.33M $92.90M $85.98M $92.25M $92.72M $83.94M $78.98M $78.25M $73.80M $68.10M $67.94M
Professional Fees $48.86M $48.86M $35.08M $36.20M $35.80M - - - - - - - - - - - -
Other Non-Interest Expense $38.30M $38.30M $48.93M $77.89M $73.63M $73.61M $57.43M $63.92M $64.30M $77.46M $78.11M $76.16M $80.77M $72.60M $70.23M $68.93M $74.44M
Income Before Tax $731.84M $731.84M $679.49M $619.73M $632.38M $686.30M $441.18M $531.79M - - - - - - - - -
Income Tax Expense $161.14M $161.14M $145.09M $134.55M $132.36M $145.71M $87.29M $109.07M $105.95M $110.51M $124.15M $116.59M $120.22M $122.23M $127.17M $121.41M $96.25M
Net Income $566.25M $566.25M $526.33M $477.06M $488.40M $530.76M $354.06M $421.23M $433.54M $319.38M $275.39M $263.73M $261.75M $260.96M $269.33M $256.34M $221.71M
Basic EPS nan 4.04 3.88 3.64 3.86 4.32 2.91 3.59 3.79 2.90 2.62 2.56 2.62 2.73 2.91 2.83 2.41
Diluted EPS nan 4.04 3.87 3.64 3.85 4.31 2.91 3.58 3.78 2.89 2.61 2.56 2.61 2.72 2.90 2.82 2.40
Breakdown FY 2025
(Dec 31, 2025)
FY 2024
(Dec 31, 2024)
FY 2023
(Dec 31, 2023)
FY 2022
(Dec 31, 2022)
FY 2021
(Dec 31, 2021)
FY 2020
(Dec 31, 2020)
FY 2019
(Dec 31, 2019)
FY 2018
(Dec 31, 2018)
FY 2017
(Dec 31, 2017)
FY 2016
(Dec 31, 2016)
FY 2015
(Dec 31, 2015)
FY 2014
(Dec 31, 2014)
FY 2013
(Dec 31, 2013)
FY 2012
(Dec 31, 2012)
FY 2011
(Dec 31, 2011)
FY 2010
(Dec 31, 2010)
Cash & Due from Banks $803.24M $748.36M $443.15M $452.50M $305.54M $437.56M $491.62M $507.89M $438.44M $494.69M $464.41M $467.49M $518.42M $573.07M $465.83M $328.46M
Interest-Bearing Deposits $2.74B $2.62B $2.24B $389.14M $3.97B $1.75B $395.85M $689.88M $30.63M $272.27M $23.80M $600.74M - - - -
Fed Funds Sold & Repos - - - - - - - $3.32M $42.77M $15.47M $14.51M $32.48M - - - -
Trading Assets $40.08M $38.03M - $43.52M $46.23M $35.32M $28.16M $27.06M $18.27M $22.23M $11.89M $15.36M $19.99M $28.84M $17.85M $11.71M
Investment Securities - AFS $9.10B $9.14B $9.68B $12.24B $14.45B $12.45B $8.57B $8.54B $8.73B - - - - - - -
Loans & Leases (Gross) $17.77B $17.22B $17.21B - - - - - - - - - - - - -
Allowance for Loan Losses - - $162.40M $150.14M $150.04M - - - - - - - - - - -
Loans & Leases (Net) $17.59B $17.06B $17.04B $16.15B $15.03B $16.11B $14.58B $13.98B $13.82B $13.26B $12.29B $11.31B $10.80B $9.66B $8.99B $9.21B
Goodwill & Intangibles $146.54M $146.54M $146.54M $138.92M $138.92M $138.92M $138.92M $138.92M $138.92M $138.92M $138.92M $138.92M $138.92M $125.58M $125.58M $125.58M
Premises & Equipment $485.70M $475.27M $469.06M $418.91M $388.74M $371.08M $370.64M $333.12M $335.11M $337.70M $352.58M $357.87M $349.65M $357.61M $360.15M $383.40M
Other Assets $852.38M $837.29M $938.08M $909.59M $506.86M $567.25M $476.40M $382.19M $401.07M $608.41M $534.62M $380.82M $316.38M $353.85M $405.96M $385.02M
Total Assets $32.92B $32.00B $31.70B $31.88B $36.69B $32.92B $26.07B $25.46B $24.83B $25.64B $24.60B $23.99B $23.07B $22.16B $20.65B $18.50B
Total Deposits $25.64B $25.29B $25.36B $26.19B $29.81B $26.95B $20.52B $20.32B $20.43B $21.10B $19.98B $19.48B $19.05B $18.35B $16.80B $15.09B
Fed Funds Purchased & Repos $2.99B $2.93B $2.91B $2.84B $3.02B $2.10B $1.85B $1.96B $1.51B $1.72B $1.96B $1.86B $1.35B $1.08B $1.26B $982.83M
Other Liabilities $458.30M $443.69M $462.71M $355.51M $392.16M $477.07M $553.71M $237.94M $180.89M $213.24M $191.32M $217.68M $356.42M $452.10M $311.23M $298.75M
Total Liabilities $29.10B $28.66B $28.74B $29.39B $33.24B $29.52B $22.93B $22.53B $22.12B $23.14B $22.24B $21.66B $20.86B $19.99B $18.48B $16.48B
Common Stock $692.94M $676.05M $655.32M $629.32M $610.80M $589.35M $563.98M $559.43M $535.41M $510.01M $489.86M $484.15M $481.22M $458.65M $446.39M $433.94M
Retained Earnings $131.83M $45.49M $53.18M $31.62M $92.49M $73.00M $201.56M $241.16M $221.37M $292.85M $383.31M $426.65M $449.84M $477.21M $575.42M $555.78M
Treasury Stock $48.00M $48.40M $35.60M $41.74M $32.97M $32.97M $37.55M $34.24M $14.47M $15.29M $26.12M $16.56M $10.10M $7.58M $8.36M $2.37M
AOCI $-507.69M $-758.91M $-891.41M $-1.09B $77.08M $331.38M $110.44M $-64.67M $14.11M $10.97M $32.47M $62.09M $9.73M $136.34M $110.54M $63.34M
Total Stockholders Equity $3.79B $3.31B $2.94B $2.47B $3.44B $3.40B $3.13B $2.93B $2.72B $2.50B $2.36B $2.33B $2.21B $2.17B $2.17B $2.02B
Total Liabilities & Equity $32.92B $32.00B $31.70B $31.88B $36.69B $32.92B $26.07B $25.46B $24.83B $25.64B $24.60B $23.99B $23.07B $22.16B $20.65B $18.50B
Breakdown TTM
(Dec 31, 2025)
FY 2025
(Dec 31, 2025)
FY 2024
(Dec 31, 2024)
FY 2023
(Dec 31, 2023)
FY 2022
(Dec 31, 2022)
FY 2021
(Dec 31, 2021)
FY 2020
(Dec 31, 2020)
FY 2019
(Dec 31, 2019)
FY 2018
(Dec 31, 2018)
FY 2017
(Dec 31, 2017)
FY 2016
(Dec 31, 2016)
FY 2015
(Dec 31, 2015)
FY 2014
(Dec 31, 2014)
FY 2013
(Dec 31, 2013)
FY 2012
(Dec 31, 2012)
FY 2011
(Dec 31, 2011)
FY 2010
(Dec 31, 2010)
Net Income $566.25M $566.25M $526.33M $477.06M $488.40M $530.76M $354.06M $421.23M $433.54M $319.38M $275.39M $263.73M $261.75M $260.96M $269.33M $256.34M $221.71M
Provision for Credit Losses $56.14M $56.14M $32.90M $35.45M $28.07M - - - - - - - - - - - -
Deferred Taxes - $11.55M $-591.00K $-7.40M $21.72M $25.61M $-19.54M $14.20M $5.34M $13.62M $-2.06M $7.43M $-540.00K $9.20M $16.23M $-2.84M $-9.09M
Stock-based Compensation $30.16M $17.27M $17.03M $17.05M $17.00M $15.41M $14.91M $13.85M $12.84M $12.11M $11.53M $10.15M $8.83M $6.43M $5.00M $4.73M $6.02M
Net Change in Trading Assets $38.62M $15.32M $18.47M $-28.48M $-4.15M $29.89M $770.00K $-3.86M $14.28M $-7.58M $-73.78M $86.05M $-16.00M $-1.36M $9.64M $-2.35M $928.00K
Operating Cash Flow $1.03B $645.14M $577.86M $488.77M $559.38M $597.72M $623.99M $512.79M $552.66M $433.23M $432.37M $289.06M $360.84M $360.93M $383.11M $407.36M $671.18M
Maturities of Securities $3.28B $1.77B $2.13B $1.94B $2.69B $3.46B $2.67B $1.56B $1.51B $1.90B $2.03B $2.52B $1.91B $2.54B $3.08B $2.56B $2.31B
Net Change in Loans $1.23B $594.02M $54.67M $933.74M $1.15B $-1.13B $1.64B $647.89M $200.67M $614.85M $1.01B $1.01B $560.89M $938.22M $693.19M $-168.98M $-644.31M
Capital Expenditures $88.60M $52.75M $46.13M $88.07M $65.19M $56.72M $33.13M $42.58M $33.29M $30.82M $24.48M $31.90M $43.66M $23.84M $34.97M $21.33M $18.53M
Acquisitions - - - $6.37M - - - - - - - - - - - - -
Investing Cash Flow $-1.09B $-462.37M $483.79M $2.18B $242.27M $-2.08B $-5.39B $-730.16M $-91.02M $220.72M $-805.21M $-1.20B $-1.06B $-713.66M $-1.16B $-2.18B $-654.45M
Net Change in Short-term Borrowings - - - - - - - - - - - - - - - - -
Long-term Debt Repaid - - - - - - - - - $100.29M $1.77M $240.00K $1.25M $1.58M $8.11M $456.00K $623.79M
Preferred Stock Issued - - - - - - - - - - - - $144.78M - - - -
Common Stock Repurchased $329.80M $207.57M $170.47M $76.37M $186.62M $129.36M $54.16M $134.90M $75.23M $17.77M $39.38M $23.18M $210.97M $69.35M $104.91M $101.15M $40.98M
Dividends Paid $265.13M $150.24M $145.09M $134.73M $127.47M $122.69M $120.82M $113.47M $100.24M $91.62M $87.07M $84.96M $84.24M $82.10M $211.61M $79.14M $78.23M
Financing Cash Flow $-107.03M $-11.04M $-372.94M $-883.12M $-4.20B $3.57B $6.07B $-84.06M $223.25M $-924.54M $652.56M $308.34M $533.05M $842.42M $1.04B $1.83B $-19.88M
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-K filings.

Annual data represents full fiscal year results. FY = Fiscal Year ending.

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