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Commerce Bancshares CBSH Net Interest Income (After Provisions)

Net Interest Income (After Provisions) at other companies

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JPMorgan ChaseJPM
$23B+12.9%
U.S. Bancorp logo
U.S. BancorpUSB
$3.82B+7.7%
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UMB FinancialUMBF
$504.53M+13.1%
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$150.21M+1.9%
First Mid Bancshares, Inc. logo
First Mid Bancshares, Inc.FMBH
$78.11M+27.4%
Great Southern Bancorp logo
Great Southern BancorpGSBC
$49.49M-3.1%

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$8.51B+5.8%
P/E14.6×+0.2×
P/S4.6×-0.1×

Profitability

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Net margin31.3%-1.2pp
FCF margin65.1%

Returns & leverage

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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:InterestIncomeExpenseAfterProvisionForLoanLoss.

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, except per share data)For the Three Months Ended June 30 / 2026For the Three Months Ended June 30 / 2025For the Six Months Ended June 30 / 2026For the Six Months Ended June 30 / 2025
Total interest expense92,24691,489188,913186,752
Net interest income315,085280,147614,925549,249
Provision for credit losses8,7315,59719,69120,084
Net interest income after credit losses306,354274,550595,234529,165
NON-INTEREST INCOME
Trust fees71,51255,571142,561112,163
Bank card transaction fees48,12146,36293,70691,955
Deposit account charges and other fees29,25926,24857,83752,870

Item 1. FINANCIAL STATEMENTS

FAQ

What is Commerce Bancshares's net interest income (after provisions)?
Commerce Bancshares (CBSH) reported net interest income (after provisions) of $306.35M in Q2 2026.
How has Commerce Bancshares's net interest income (after provisions) changed year-over-year?
Commerce Bancshares's net interest income (after provisions) increased by 11.6% year-over-year, from $274.55M to $306.35M.
What is the long-term trend for Commerce Bancshares's net interest income (after provisions)?
Over 4 years (2021 to 2025), Commerce Bancshares's net interest income (after provisions) has grown at a 4.0% compound annual growth rate (CAGR), from $901.75M to $1.06B.
What does net interest income (after provisions) mean?
This metric represents the net interest income remaining after accounting for the provision for credit losses. It provides a clearer view of the bank's core earnings power after adjusting for the expected cost of credit risk.

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