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Commerce Bancshares CBSH Commercial segment — Net Interest Income

Other segment segments

Retail banking segment
$124.21M
Wealth segment
$50.27M+118%

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Other financials

Income statement

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Revenue$498.9M+11.9%
Net income$159.8M+4.8%
EPS (diluted)$1.10+0.9%

Balance sheet

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Total debt$31.5M+0.8%
Total equity$4.4B+19.7%
Total assets$35.3B+9.2%

Cash flow

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Operating cash flow$181.9M+63.6%
CapEx$12.8M+19.5%
Free cash flow$169.1M+68.2%

Valuation

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Market cap$8.58B+6.8%
P/E14.7×+0.3×
P/S4.6×-0.1×

Profitability

See full
Net margin31.3%-1.2pp
FCF margin65.1%

Returns & leverage

See full
Return on equity14.6%-1.9pp
Debt / equity0.0×

Where this comes from

Reported directly by Commerce Bancshares in its filing.

Tagged under the XBRL concept us-gaap:InterestIncomeExpenseNet.

The source filing: Commerce Bancshares’s 10-Q, filed August 5, 2026.

Filed
Aug 5, 2026, 3:13 PM EDT
Fiscal quarter
Q2 FY2026
Calendar quarter
Q2 2026
Accession
0000022356-26-000190
(In thousands) / Three Months Ended June 30, 2026Retail BankingCommercialWealthOther/EliminationConsolidated Totals
Net interest income$124,205$131,400$50,273$9,207$315,085
Provision for credit losses(9,239)(263)771(8,731)
Non-interest income25,65473,45081,6043,120183,828
Investment securities gains (losses), net12,83012,830
Non-interest expense(87,343)(124,618)(62,057)(23,050)(297,068)
Income before income taxes$53,277$79,969$69,820$2,878$205,944
Six Months Ended June 30, 2026
Net interest income$246,777$265,001$96,396$6,751$614,925

Item 1. FINANCIAL STATEMENTS

FAQ

What is Commerce Bancshares's commercial segment — net interest income?
Commerce Bancshares (CBSH) reported commercial segment — net interest income of $131.4M in Q2 2026.
How has Commerce Bancshares's commercial segment — net interest income changed year-over-year?
Commerce Bancshares's commercial segment — net interest income increased by 3.0% year-over-year, from $127.61M to $131.4M.
What is the long-term trend for Commerce Bancshares's commercial segment — net interest income?
Over 4 years (2021 to 2025), Commerce Bancshares's commercial segment — net interest income has grown at a 4.1% compound annual growth rate (CAGR), from $453.69M to $532.79M.
What does commercial segment — net interest income mean?
This is the difference between the interest income generated by commercial loans and the interest expense paid on commercial deposits and borrowings. It serves as the primary driver of profitability for the commercial banking segment. Fluctuations are driven by changes in interest rate environments, loan volume, and deposit pricing strategies.

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