Consolidated Statements Of Income - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2025	Sep. 30, 2024	Sep. 30, 2025		Sep. 30, 2024
INTEREST INCOME
Interest and fees on loans	$ 263,855	$ 270,086	$ 778,493		$ 802,226
Interest and fees on loans held for sale	36	39	99		125
Interest on investment securities	74,469	62,694	230,919		199,398
Interest on federal funds sold and short-term securities purchased under agreements to resell	0	0	31		37
Interest on Long-Term Securities Purchased Under Agreements To Resell	8,578	4,215	24,512		8,270
Interest on deposits with banks	27,167	35,034	76,052		90,096
Total interest income	374,105	372,068	1,110,106		1,100,152
INTEREST EXPENSE
Savings, interest checking and money market	53,357	58,177	157,595		170,586
Certificates of deposit of less than $100,000	8,337	11,073	25,714		31,787
Certificates of deposit of $100,000 and over	13,258	16,603	39,491		51,591
Interest Expense, Federal Funds Purchased	1,428	2,792	4,228		10,780
Interest Expense, Securities Sold under Agreements to Repurchase	18,260	21,066	54,337		61,797
Interest on other borrowings	8	6	35		12
Total interest expense	94,648	109,717	281,400		326,553
Net interest income	279,457	262,351	828,706		773,599
Provision for credit losses	20,061	9,140	40,145		19,395
Net interest income after credit losses	259,396	253,211	788,561		754,204
NON-INTEREST INCOME
Trust fee revenue	58,412	54,689	170,575		158,085
Bank card transaction fees	45,551	47,570	137,506		141,977
Deposit account charges and other fees	27,427	25,380	80,297		74,856
Capital market fees	5,138	5,995	16,425		14,647
Consumer brokerage services	6,698	4,619	16,866		13,505
Loan fees and sales	3,465	3,444	10,288		10,016
Other	14,820	17,328	54,116		47,031
Total non-interest income	161,511	159,025	486,073		460,117
INVESTMENT SECURITIES GAINS (LOSSES), NET
INVESTMENT SECURITIES GAINS (LOSSES), NET	7,885	3,872	731	[1]	6,846	[1]
NON-INTEREST EXPENSE
Salaries and employee benefits	157,461	153,122	465,564		454,043
Data processing and software	33,555	32,194	98,697		94,876
Net occupancy	13,474	13,411	41,148		39,529
Professional and other services	11,284	8,830	34,283		26,095
Marketing	6,670	7,278	18,487		16,670
Equipment	5,421	5,286	15,826		15,387
Supplies and communication	4,837	4,963	14,845		14,343
Deposit insurance	3,074	2,930	10,130		13,301
Other	8,242	9,586	27,851		41,267
Total non-interest expense	244,018	237,600	726,831		715,511
Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling Interest	184,774	178,508	548,534		505,656
Less income taxes	41,152	38,245	120,516		108,499
Net income	143,622	140,263	428,018		397,157
Less non-controlling interest expense (income)	2,104	2,256	2,429		6,934
Net income attributable to Commerce Bancshares, Inc.	$ 141,518	$ 138,007	$ 425,589		$ 390,223
Net income per common share — basic	$ 1.06	$ 1.02	$ 3.18		$ 2.87
Net income per common share — diluted	$ 1.06	$ 1.01	$ 3.18		$ 2.86

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