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Commerce Bancshares CBSH Retail banking segment — Net Interest Income

Other segment segments

Commercial segment
$131.4M+3.0%
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

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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 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 retail banking segment — net interest income?
Commerce Bancshares (CBSH) reported retail banking segment — net interest income of $124.21M in Q2 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 2.3% year-over-year, from $127.12M to $124.21M.
What does retail banking segment — net interest income mean?
This is the difference between the interest income generated by retail banking assets, such as consumer loans and mortgages, and the interest expense paid on retail deposits. It serves as a primary indicator of the segment's core profitability and its sensitivity to interest rate fluctuations. It reflects the efficiency of the bank's retail lending and deposit-gathering activities.

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