Consolidated Statements Of Income - USD ($) $ in Thousands		3 Months Ended
		Mar. 31, 2025	Mar. 31, 2024
INTEREST INCOME
Interest and fees on loans		$ 254,194	$ 264,677
Interest and fees on loans held for sale		23	40
Interest on investment securities		76,452	65,928
Interest on federal funds sold and short-term securities purchased under agreements to resell		29	10
Interest on Long-Term Securities Purchased Under Agreements To Resell		7,418	1,634
Interest on deposits with banks		26,249	26,432
Total interest income		364,365	358,721
INTEREST EXPENSE
Savings, interest checking and money market		52,403	55,580
Certificates of deposit of less than $100,000		8,932	10,191
Certificates of deposit of $100,000 and over		13,319	18,096
Interest Expense, Federal Funds Purchased		1,384	4,419
Interest Expense, Securities Sold under Agreements to Repurchase		19,224	21,438
Interest on other borrowings		1	(2)
Total interest expense		95,263	109,722
Net interest income		269,102	248,999
Provision for credit losses		14,487	4,787
Net interest income after credit losses		254,615	244,212
NON-INTEREST INCOME
Trust fee revenue		56,592	51,105
Bank card transaction fees		45,593	46,930
Deposit account charges and other fees		26,622	24,151
Capital market fees		5,112	3,892
Consumer brokerage services		4,785	4,408
Loan fees and sales		3,404	3,141
Other		16,841	15,221
Total non-interest income		158,949	148,848
INVESTMENT SECURITIES GAINS (LOSSES), NET
INVESTMENT SECURITIES GAINS (LOSSES), NET	[1]	(7,591)	(259)
NON-INTEREST EXPENSE
Salaries and employee benefits		153,078	151,801
Data processing and software		32,238	31,153
Net occupancy		14,020	13,574
Professional and other services		10,026	8,648
Marketing		5,843	4,036
Equipment		5,248	5,010
Supplies and communication		5,046	4,744
Deposit insurance		3,744	8,017
Other		9,133	18,714
Total non-interest expense		238,376	245,697
Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling Interest		167,597	147,104
Less income taxes		36,964	31,652
Net income		130,633	115,452
Less non-controlling interest expense (income)		(959)	2,789
Net income attributable to Commerce Bancshares, Inc.		$ 131,592	$ 112,663
Net income per common share — basic		$ 0.98	$ 0.82
Net income per common share — diluted		$ 0.98	$ 0.82

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