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Commerce Bancshares CBSH Retail banking segment — Provision for Credit Losses

Other segment segments

Commercial segment
$5.7M+971%
Wealth segment
-$2K

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$43.25M+71.3%
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WBSConsumer Banking — Provision for Credit Losses
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HBANRetail And Business Banking — Provision For Loan And Lease Losses
$21.55M+11.1%
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EWBCRetail Banking — Provision For Loan Lease And Other Losses
$705K-65.7%

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

See full
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:ProvisionForLoanLeaseAndOtherLosses.

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 — provision for credit losses?
Commerce Bancshares (CBSH) reported retail banking segment — provision for credit losses of $9.27M in Q1 2026.
How has Commerce Bancshares's retail banking segment — provision for credit losses changed year-over-year?
Commerce Bancshares's retail banking segment — provision for credit losses decreased by 9.6% year-over-year, from $10.25M to $9.27M.
What does retail banking segment — provision for credit losses mean?
The amount of money set aside to cover potential future losses from bad loans in the retail segment.
How do you interpret retail banking segment — provision for credit losses?
An increase signals expected credit deterioration or portfolio growth, while a decrease suggests improving credit quality or lower risk appetite.
How does retail banking segment — provision for credit losses compare across companies?
Standard across all banking institutions; peers adjust this based on macroeconomic forecasts and specific portfolio risk profiles.