Consolidated Statements Of Income - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2023		Sep. 30, 2022
INTEREST INCOME
Interest and fees on loans	$ 256,242	$ 171,272	$ 721,385		$ 445,873
Interest and fees on loans held for sale	152	159	448		470
Interest on investment securities	69,245	79,586	214,091		241,326
Interest on federal funds sold and short-term securities purchased under agreements to resell	45	94	639		114
Interest on Long-Term Securities Purchased Under Agreements To Resell	3,740	5,984	11,791		15,669
Interest on deposits with banks	31,738	5,571	70,328		9,150
Total interest income	361,162	262,666	1,018,682		712,602
INTEREST EXPENSE
Savings, interest checking and money market	43,795	7,545	93,992		11,583
Certificates of deposit of less than $100,000	15,499	411	27,049		755
Certificates of deposit of $100,000 and over	18,942	871	39,985		1,768
Interest Expense, Federal Funds Purchased	6,833	315	18,816		546
Interest Expense, Securities Sold under Agreements to Repurchase	18,431	7,576	52,940		10,960
Interest on other borrowings	9,115	(425)	36,192		(554)
Total interest expense	112,615	16,293	268,974		25,058
Net interest income	248,547	246,373	749,708		687,544
Provision for credit losses	11,645	15,290	29,572		12,594
Net interest income after credit losses	236,902	231,083	720,136		674,950
NON-INTEREST INCOME
Bank card transaction fees	46,899	45,638	143,278		131,556
Trust fee revenue	49,207	45,406	141,800		140,009
Deposit account charges and other fees	23,090	24,521	67,475		72,392
Consumer brokerage services	3,820	5,085	13,582		14,599
Capital market fees	2,410	3,393	8,311		10,845
Loan fees and sales	2,966	3,094	8,290		10,575
Other	14,557	11,377	45,430		29,734
Total non-interest income	142,949	138,514	428,166		409,710
INVESTMENT SECURITIES GAINS (LOSSES), NET
INVESTMENT SECURITIES GAINS (LOSSES), NET	4,298	3,410	7,384	[1]	11,602	[1]
NON-INTEREST EXPENSE
Salaries and employee benefits	146,805	137,393	436,607		415,589
Data processing and software	30,744	28,050	87,617		82,701
Net occupancy	13,948	12,544	39,702		37,343
Marketing	6,167	6,228	18,006		18,408
Equipment	4,697	5,036	14,411		14,338
Supplies and communication	4,963	4,581	14,178		13,655
Other	20,686	19,052	69,207		50,003
Total non-interest expense	228,010	212,884	679,728		632,037
Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling Interest	156,139	160,123	475,958		464,225
Less income taxes	33,439	33,936	102,242		97,859
Net income	122,700	126,187	373,716		366,366
Less non-controlling interest expense (income)	2,104	3,364	5,879		9,595
Net income attributable to Commerce Bancshares, Inc.	$ 120,596	$ 122,823	$ 367,837		$ 356,771
Net income per common share — basic	$ 0.96	$ 0.97	$ 2.94		$ 2.81
Net income per common share — diluted	$ 0.96	$ 0.97	$ 2.93		$ 2.81

[1] Available for sale debt securities, equity securities, and other securities.