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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.
Commerce Bancshares Inc. insider David W. Kemper, a director and Executive Chairman, reported an acquisition of common stock. On 12/15/2025, he acquired 127 shares of Commerce Bancshares common stock at a price of $53.6883 per share through an executive compensation plan, reported as indirectly owned. Following this transaction, Kemper reported beneficial ownership of multiple indirect holdings, including shares in various trusts and other entities, as well as a large directly held position. The reported balances were adjusted to reflect a 5% stock dividend with a record date of 12/2/2025 and a payable date of 12/16/2025.
Commerce Bancshares Inc. Executive Vice President Kevin G. Barth reported a small acquisition of company stock. On 12/15/2025, he acquired 116 shares of common stock at $53.6883 per share through an executive compensation plan. After this transaction, he beneficially owned 23,999 shares in an executive compensation plan, 49,747 shares in a 401(k) account, 15,512 shares held by his spouse, and 52,603 shares held directly. The filing notes that all stock holding balances were adjusted for a 5% stock dividend with a record date of 12/2/2025 and a payable date of 12/16/2025.
Commerce Bancshares (CBSH) disclosed an initial beneficial ownership for director Alaina G. Macia on Form 3. The filing reports 124 shares of common stock, held in direct (D) ownership. No derivative securities were listed in Table II. The event triggering the statement occurred on 10/31/2025, and the form was filed by one reporting person.
Commerce Bancshares (CBSH) reported Q3 2025 results showing steady profitability and stable balance sheet trends. Net income for the quarter was $141.5M with diluted EPS of $1.06. Net interest income was $279.5M, while the provision for credit losses increased to $20.1M. Non‑interest income totaled $161.5M and investment securities gains were $7.9M. Non‑interest expense was $244.0M.
For the nine months, net income reached $425.6M and diluted EPS was $3.18. Loans were $17.79B and deposits were $25.46B as of September 30, 2025. Accumulated other comprehensive loss improved to $533.7M from $758.9M, reflecting higher unrealized securities values. Shareholders’ equity rose to $3.79B. The allowance for credit losses stood at $175.7M with Q3 net loan charge‑offs of $10.3M. Non‑interest‑bearing deposits were $7.49B. The company paid common dividends of $0.275 per share in Q3 and repurchased treasury stock. Shares outstanding were 132,414,687 as of November 6, 2025.
Commerce Bancshares (CBSH) announced two updates. The board approved the repurchase, in combination with the amount remaining from the prior authorization on April 17, 2024, of up to 5,000,000 total shares of common stock, as disclosed in a press release dated November 3, 2025.
The company also appointed Alaina G. Maciá as an independent director effective October 31, 2025, filling the vacancy from Jonathan M. Kemper’s retirement. She will serve on the Compensation and Human Resources Committee and complete the Board term through 2027. She will receive the standard non‑employee director compensation, prorated to her start date, and there are no related‑party arrangements requiring disclosure.
Commerce Bancshares, Inc. furnished a press release announcing third quarter 2025 earnings under Item 2.02 of Form 8-K. The release, dated October 16, 2025, is included as Exhibit 99.1, with an accompanying investor and analyst slide presentation as Exhibit 99.2.
The information is furnished, not filed, under the Exchange Act and is not incorporated by reference into Securities Act filings. The materials are available on the company’s investor relations website.
David W. Kemper, Executive Chairman and director of Commerce Bancshares, reported an insider purchase on Form 4. The filing shows a 9/23/2025 acquisition of 114 shares of Commerce Bancshares common stock at $59.4832 per share. Following the transaction, the filing lists 24,790 shares beneficially owned indirectly by the reporting person and additional holdings across several trusts and compensation plans totaling larger indirect and direct positions.
Kevin G. Barth, an Executive Vice President of Commerce Bancshares, reported an open-market purchase of 106 shares of Common Stock at $59.4832 per share. The filing lists 22,746 shares as beneficially owned following the reported transaction (reported as indirect). The filing also lists holdings of 47,223 shares under an executive compensation plan and 14,774 shares in a 401(k). The report notes 50,099 shares disposed by a spouse.