Consolidated Statements Of Income - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024		Sep. 30, 2023
INTEREST INCOME
Interest and fees on loans	$ 270,086	$ 256,242	$ 802,226		$ 721,385
Interest and fees on loans held for sale	39	152	125		448
Interest on investment securities	62,694	69,245	199,398		214,091
Interest on federal funds sold and short-term securities purchased under agreements to resell	0	45	37		639
Interest on Long-Term Securities Purchased Under Agreements To Resell	4,215	3,740	8,270		11,791
Interest on deposits with banks	35,034	31,738	90,096		70,328
Total interest income	372,068	361,162	1,100,152		1,018,682
INTEREST EXPENSE
Savings, interest checking and money market	58,177	43,795	170,586		93,992
Certificates of deposit of less than $100,000	11,073	15,499	31,787		27,049
Certificates of deposit of $100,000 and over	16,603	18,942	51,591		39,985
Interest Expense, Federal Funds Purchased	2,792	6,833	10,780		18,816
Interest Expense, Securities Sold under Agreements to Repurchase	21,066	18,431	61,797		52,940
Interest on other borrowings	6	9,115	12		36,192
Total interest expense	109,717	112,615	326,553		268,974
Net interest income	262,351	248,547	773,599		749,708
Provision for credit losses	9,140	11,645	19,395		29,572
Net interest income after credit losses	253,211	236,902	754,204		720,136
NON-INTEREST INCOME
Trust fee revenue	54,689	49,207	158,085		141,800
Bank card transaction fees	47,570	46,899	141,977		143,278
Deposit account charges and other fees	25,380	23,090	74,856		67,475
Capital market fees	5,995	3,524	14,647		9,831
Consumer brokerage services	4,619	3,820	13,505		13,582
Loan fees and sales	3,444	2,966	10,016		8,290
Other	17,328	13,443	47,031		43,910
Total non-interest income	159,025	142,949	460,117		428,166
INVESTMENT SECURITIES GAINS (LOSSES), NET
INVESTMENT SECURITIES GAINS (LOSSES), NET	3,872	4,298	6,846	[1]	7,384	[1]
NON-INTEREST EXPENSE
Salaries and employee benefits	153,122	146,805	454,043		436,607
Data processing and software	32,194	30,744	94,876		87,617
Net occupancy	13,411	13,948	39,529		39,702
Professional and other services	8,830	8,293	26,095		26,979
Marketing	7,278	6,167	16,670		18,006
Equipment	5,286	4,697	15,387		14,411
Supplies and communication	4,963	4,963	14,343		14,178
Deposit insurance	2,930	4,029	13,301		12,859
Other	9,586	8,364	41,267		29,369
Total non-interest expense	237,600	228,010	715,511		679,728
Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling Interest	178,508	156,139	505,656		475,958
Less income taxes	38,245	33,439	108,499		102,242
Net income	140,263	122,700	397,157		373,716
Less non-controlling interest expense (income)	2,256	2,104	6,934		5,879
Net income attributable to Commerce Bancshares, Inc.	$ 138,007	$ 120,596	$ 390,223		$ 367,837
Net income per common share — basic	$ 1.07	$ 0.92	$ 3.01		$ 2.80
Net income per common share — diluted	$ 1.07	$ 0.92	$ 3.00		$ 2.80

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