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Commerce Bancshares CBSH Retail banking segment — Net Interest Income

Other segment segments

Commercial segment
$133.6M+0.3%
Wealth segment
$46.12M+108%

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$950M-2.3%
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MTBRetail Banking — Interest Income Expense Net
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$8.99B+5.7%
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$1.31B+9.7%
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$73.08M+28.2%

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

See full
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:InterestIncomeExpenseNet.

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 retail banking segment — net interest income?
Commerce Bancshares (CBSH) reported retail banking segment — net interest income of $122.57M in Q1 2026.
How has Commerce Bancshares's retail banking segment — net interest income changed year-over-year?
Commerce Bancshares's retail banking segment — net interest income decreased by 2.1% year-over-year, from $125.23M to $122.57M.
What does retail banking segment — net interest income mean?
The profit earned from the spread between interest collected on loans and interest paid on deposits in the retail segment.
How do you interpret retail banking segment — net interest income?
An increase signals improved net interest margins or growth in the retail loan portfolio, while a decrease may signal margin compression.
How does retail banking segment — net interest income compare across companies?
A standard core metric for all retail banking divisions across the financial services industry.