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Commerce Bancshares CBSH Retail Banking Segment — Average Assets

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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

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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 cbsh:AverageAssets.

The source filing: Commerce Bancshares’s 10-K, filed February 24, 2026.

Filed
Feb 24, 2026, 4:57 PM EST
Fiscal year
FY2025
Accession
0000022356-26-000069
(In thousands)Retail BankingCommercialWealthOther/EliminationConsolidated Totals
Average balances for 2025:
Assets$3,880,476$11,908,485$2,178,209$13,699,433$31,666,603
Loans, including held for sale3,732,32611,576,8782,160,1547,32517,476,683
Goodwill and other intangible assets80,49775,1337463,600159,976
Deposits12,313,18910,274,7022,527,562(77,764)25,037,689
Average balances for 2024:
Assets$3,978,303$11,617,602$1,965,266$13,124,109$30,685,280
Loans, including held for sale3,830,31011,302,7541,949,1277,40617,089,597

Item 8. FINANCIAL STATEMENTS AND SUPPLEMENTARY DATA

FAQ

What is Commerce Bancshares's retail banking segment — average assets?
Commerce Bancshares (CBSH) reported retail banking segment — average assets of $3.88B in Q4 2025.
What does retail banking segment — average assets mean?
This metric represents the average value of assets held within the retail banking business segment over a specific reporting period. It serves as a measure of the scale and capital deployment of the retail division, reflecting the total resources managed to support consumer financial services. Monitoring this helps investors understand the size and growth trajectory of the retail banking footprint relative to the total bank balance sheet.

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