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Commerce Bancshares CBSH Allowance for credit losses

Allowance for credit losses at other companies

Old National Bancorp logo
Old National BancorpONB
$574.36M+42.9%
Valley National Bank logo
Valley National BankVLY
$584.5M+1.1%
BOK Financial logo
BOK FinancialBOKF
$277.72M-0.3%
JPMorgan Chase logo
JPMorgan ChaseJPM
$25.93B+2.9%
U.S. Bancorp logo
U.S. BancorpUSB
$7.65B+0.8%
Stifel Financial logo
Stifel FinancialSF
$0

Other financials

Income statement

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Revenue$475.7M+11.1%
Net income$141.6M+7.6%
EPS (diluted)$0.96+3.2%

Balance sheet

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Total debt$31.5M+0.8%
Total equity$4.3B+23.7%
Total assets$35.7B+10.4%

Cash flow

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Operating cash flow$684.8M+394%
CapEx$6.4M-49.4%
Free cash flow$678.4M+438%

Valuation

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Market cap$7.98B-13.4%
P/E13.8×-3.0×
P/S4.4×-1.1×

Profitability

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Net margin31.8%-0.5pp
FCF margin63.2%

Returns & leverage

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Return on equity14.8%-2.2pp
Debt / equity0.0×

Where this comes from

Reported directly by Commerce Bancshares in its filing.

Tagged under the XBRL concept us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest.

The official record: Commerce Bancshares’s 10-Q, filed May 7, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Commerce Bancshares's allowance for credit losses?
Commerce Bancshares (CBSH) reported allowance for credit losses of $198.61M in Q1 2026.
How has Commerce Bancshares's allowance for credit losses changed year-over-year?
Commerce Bancshares's allowance for credit losses increased by 18.9% year-over-year, from $167.03M to $198.61M.
What is the long-term trend for Commerce Bancshares's allowance for credit losses?
Over 5 years (2020 to 2025), Commerce Bancshares's allowance for credit losses has grown at a -4.1% compound annual growth rate (CAGR), from $220.83M to $179.47M.
What does allowance for credit losses mean?
The reserve set aside to cover potential losses from loans that may not be repaid.
How do you interpret allowance for credit losses?
An increase may signal deteriorating credit quality or a more conservative economic outlook, while a decrease suggests improved borrower health or reduced risk.
How does allowance for credit losses compare across companies?
This is a standard regulatory requirement; peers are compared based on the ratio of this allowance to total loans.