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Commerce Bancshares CBSH Commercial segment — Provision for Credit Losses

Other segment segments

Retail banking segment
$9.24M
Wealth segment
$0-100%

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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:ProvisionForLoanLeaseAndOtherLosses.

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 — provision for credit losses?
Commerce Bancshares (CBSH) reported commercial segment — provision for credit losses of $263K in Q2 2026.
How has Commerce Bancshares's commercial segment — provision for credit losses changed year-over-year?
Commerce Bancshares's commercial segment — provision for credit losses increased by 143.5% year-over-year, from $108K to $263K.
What is the long-term trend for Commerce Bancshares's commercial segment — provision for credit losses?
Over 3 years (2022 to 2025), Commerce Bancshares's commercial segment — provision for credit losses has grown at a 15.4% compound annual growth rate (CAGR), from $1.2M to $1.84M.
What does commercial segment — provision for credit losses mean?
This represents the expense charged to the commercial segment's income statement to maintain an adequate allowance for expected loan losses. It reflects management's assessment of credit risk within the commercial loan portfolio based on economic conditions and borrower creditworthiness. It is a critical indicator of the segment's asset quality and risk management effectiveness.

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