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Commerce Bancshares CBSH Trust fees — Contract with Customer, Receivable

Other product segments

Bank card transaction fees
$15.07M+5.4%
Deposit account charges and other fees
$9M+11.9%

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Other financials

Income statement

See full
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:ContractWithCustomerReceivableAfterAllowanceForCreditLoss.

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)June 30, 2026December 31, 2025June 30, 2025December 31, 2024
Bank card transaction fees$15,067$16,878$14,296$17,754
Trust fees6,1272,4241,9372,165
Deposit account charges and other fees8,9988,4148,0397,897

Item 1. FINANCIAL STATEMENTS

FAQ

What is Commerce Bancshares's trust fees — contract with customer, receivable?
Commerce Bancshares (CBSH) reported trust fees — contract with customer, receivable of $6.13M in Q2 2026.
How has Commerce Bancshares's trust fees — contract with customer, receivable changed year-over-year?
Commerce Bancshares's trust fees — contract with customer, receivable increased by 216.3% year-over-year, from $1.94M to $6.13M.
What is the long-term trend for Commerce Bancshares's trust fees — contract with customer, receivable?
Over 4 years (2021 to 2025), Commerce Bancshares's trust fees — contract with customer, receivable has grown at a -1.1% compound annual growth rate (CAGR), from $8.7M to $8.32M.
What does trust fees — contract with customer, receivable mean?
This metric represents the outstanding balance of fees earned from trust and asset management services that have been recognized as revenue but not yet collected from customers. It reflects the timing difference between the delivery of fiduciary services and the actual cash settlement of those service contracts. Monitoring this balance provides insight into the credit quality of the client base and the efficiency of the firm's billing and collection cycles for its wealth management division.

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