Commerce Bancshares (NASDAQ: CBSH) posts Q4 2025 earnings update

Rhea-AI Filing Summary

Commerce Bancshares, Inc. filed a current report to furnish materials related to its Fourth Quarter 2025 earnings. The company attached a press release dated January 22, 2026 as an exhibit, along with a slide presentation for investors and analysts on the same date. These materials are provided for information purposes and are not treated as filed for liability purposes under federal securities laws. The company notes that this earnings information and related exhibits are also available through its investor relations website.

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UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

__________________________

Form 8-K

CURRENT REPORT

PURSUANT TO SECTION 13 OR 15(d) OF THE

SECURITIES EXCHANGE ACT OF 1934

Date of Report (Date of earliest event reported): January 22, 2026

Commerce Bancshares, Inc.

(Exact name of registrant as specified in its charter)

Missouri

001-36502

43-0889454

(State of Incorporation)

(Commission File Number)

(IRS Employer Identification No.)

1000 Walnut,
Kansas City,			MO						64106
(Address of principal executive offices)									(Zip Code)

(816) 234-2000

(Registrant’s telephone number, including area code)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

     ☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

     ☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

     ☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

     ☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:
Title of class			Trading symbol(s)			Name of exchange on which registered
$5 Par Value Common Stock			CBSH			NASDAQ Global Select Market

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 or Rule 12b-2 of the Securities Exchange Act of 1934.

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Item 2.02 Results of Operations and Financial Condition

A copy of the press release issued January 22, 2026 by Commerce Bancshares, Inc. announcing Fourth Quarter 2025 earnings is furnished under Item 2.02 of this Current Report on Form 8-K as Exhibit 99.1. Additionally, a slide presentation for investors and analysts is being furnished as Exhibit 99.2 to this Current Report on Form 8-K.

The information in this Current Report on Form 8-K, including the exhibits, is furnished pursuant to Item 2.02 and shall not be deemed “filed” for the purposes of Section 18 of the Securities Exchange Act of 1934, as amended, or otherwise subject to the liabilities under that Section. Furthermore, the information in this Current Report on Form 8-K, including the exhibits, shall not be deemed to be incorporated by reference into the filings of Commerce Bancshares, Inc. under the Securities Act of 1933, as amended.

All information included in this Current Report on Form 8-K is available on the Company’s website at https://investor.commercebank.com/news-info/financial-news-releases/default.aspx.

Item 9.01 Financial Statements and Exhibits

Exhibits

99.1    Press release dated January 22, 2026

99.2    Slide presentation for investors and analysts dated January 22, 2026

104    The XBRL tags on the cover page of this Form 8-K are embedded within the Inline XBRL document.

SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

			COMMERCE BANCSHARES, INC.
			By:			/s/ Paul A. Steiner
						Paul A. Steiner
						Controller (Chief Accounting Officer)

Date: January 22, 2026

FAQ

What did Commerce Bancshares (CBSH) disclose in this report?

Commerce Bancshares, Inc. furnished a press release and an investor slide presentation related to its Fourth Quarter 2025 earnings, both dated January 22, 2026.

Does this Commerce Bancshares (CBSH) report include full financial statements?

The report itself does not contain detailed financial statements; instead, it furnishes a press release and an investor slide presentation as exhibits 99.1 and 99.2.

How did Commerce Bancshares (CBSH) provide its Q4 2025 earnings information?

The company provided its Fourth Quarter 2025 earnings information through a press release and an accompanying slide presentation attached as exhibits to the current report.

Are the Commerce Bancshares (CBSH) Q4 2025 earnings materials considered filed with the SEC?

The company states that the information in this report, including the exhibits, is furnished under a specific item and is not deemed filed for purposes of certain liability provisions of the securities laws.

Where can investors access Commerce Bancshares (CBSH) Q4 2025 earnings materials online?

All information included in this report is available on the company’s investor relations website at its financial news releases section.

What exhibits are attached to this Commerce Bancshares (CBSH) earnings report?

The report lists a press release dated January 22, 2026 as exhibit 99.1, a slide presentation for investors and analysts dated January 22, 2026 as exhibit 99.2, and XBRL cover page tags as exhibit 104.