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Commerce Bancshares CBSH Provision for Credit Losses

Provision for Credit Losses at other companies

JPMorgan Chase logo
JPMorgan ChaseJPM
$2.52B-11.7%
U.S. Bancorp logo
U.S. BancorpUSB
$538M+7.4%
UMB Financial logo
UMB FinancialUMBF
$28M+33.3%
First Busey Corporation logo
First Busey CorporationBUSE
$1.53M+52.4%
First Mid Bancshares, Inc. logo
First Mid Bancshares, Inc.FMBH
$1.55M-31.7%
Southern Missouri Bancorp logo
Southern Missouri BancorpSMBC
$3.19M+27.8%

Segments

By segment

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Retail banking segment$9.24M
Commercial segment$263K+144%
Wealth segment$0-100%

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

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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:ProvisionForLoanLeaseAndOtherLosses.

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
Interest on other borrowings32687227
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

Item 1. FINANCIAL STATEMENTS

FAQ

What is Commerce Bancshares's provision for credit losses?
Commerce Bancshares (CBSH) reported provision for credit losses of $8.73M in Q2 2026.
How has Commerce Bancshares's provision for credit losses changed year-over-year?
Commerce Bancshares's provision for credit losses increased by 56.0% year-over-year, from $5.6M to $8.73M.
What is the long-term trend for Commerce Bancshares's provision for credit losses?
Over 4 years (2021 to 2025), Commerce Bancshares's provision for credit losses has grown at a -4.1% compound annual growth rate (CAGR), from -$66.33M to $56.14M.
What does provision for credit losses mean?
Expense recognized to build or adjust allowances for expected credit losses on loans, receivables, and other financial assets, based on forward-looking CECL methodology.

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