CBSH provides Q3 2025 earnings press release and investor deck

Rhea-AI Filing Summary

Commerce Bancshares, Inc. furnished a press release announcing third quarter 2025 earnings under Item 2.02 of Form 8-K. The release, dated October 16, 2025, is included as Exhibit 99.1, with an accompanying investor and analyst slide presentation as Exhibit 99.2.

The information is furnished, not filed, under the Exchange Act and is not incorporated by reference into Securities Act filings. The materials are available on the company’s investor relations website.

8-K Event Classification

2 items: 2.02, 9.01

2 items

Item 2.02 Results of Operations and Financial Condition Financial

Disclosure of earnings results, typically an earnings press release or preliminary financials.

Item 9.01 Financial Statements and Exhibits Exhibits

Financial statements, pro forma financial information, and exhibit attachments filed with this report.

Understanding 8-K Material Events →

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UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

__________________________

Form 8-K

CURRENT REPORT

PURSUANT TO SECTION 13 OR 15(d) OF THE

SECURITIES EXCHANGE ACT OF 1934

Date of Report (Date of earliest event reported): October 16, 2025

Commerce Bancshares, Inc.

(Exact name of registrant as specified in its charter)

Missouri

001-36502

43-0889454

(State of Incorporation)

(Commission File Number)

(IRS Employer Identification No.)

1000 Walnut,
Kansas City,			MO						64106
(Address of principal executive offices)									(Zip Code)

(816) 234-2000

(Registrant’s telephone number, including area code)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

     ☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

     ☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

     ☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

     ☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:
Title of class			Trading symbol(s)			Name of exchange on which registered
$5 Par Value Common Stock			CBSH			NASDAQ Global Select Market

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 or Rule 12b-2 of the Securities Exchange Act of 1934.

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Item 2.02 Results of Operations and Financial Condition

A copy of the press release issued October 16, 2025 by Commerce Bancshares, Inc. announcing Third Quarter 2025 earnings is furnished under Item 2.02 of this Current Report on Form 8-K as Exhibit 99.1. Additionally, a slide presentation for investors and analysts is being furnished as Exhibit 99.2 to this Current Report on Form 8-K.

The information in this Current Report on Form 8-K, including the exhibits, is furnished pursuant to Item 2.02 and shall not be deemed “filed” for the purposes of Section 18 of the Securities Exchange Act of 1934, as amended, or otherwise subject to the liabilities under that Section. Furthermore, the information in this Current Report on Form 8-K, including the exhibits, shall not be deemed to be incorporated by reference into the filings of Commerce Bancshares, Inc. under the Securities Act of 1933, as amended.

All information included in this Current Report on Form 8-K is available on the Company’s website at https://investor.commercebank.com/news-info/financial-news-releases/default.aspx.

Item 9.01 Financial Statements and Exhibits

Exhibits

99.1    Press release dated October 16, 2025

99.2    Slide presentation for investors and analysts dated October 16, 2025

104    The XBRL tags on the cover page of this Form 8-K are embedded within the Inline XBRL document.

SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

			COMMERCE BANCSHARES, INC.
			By:			/s/ Paul A. Steiner
						Paul A. Steiner
						Controller (Chief Accounting Officer)

Date: October 16, 2025

FAQ

What did Commerce Bancshares (CBSH) report in this 8-K?

The company furnished a press release announcing third quarter 2025 earnings and an investor slide presentation.

Which exhibits were included in the filing for CBSH?

Exhibit 99.1 is the October 16, 2025 press release; Exhibit 99.2 is the investor and analyst slide presentation.

Is the earnings information considered filed or furnished?

It is furnished under Item 2.02 and not deemed filed under the Exchange Act.

Where can I access the CBSH earnings materials?

They are available on the company’s investor relations site at https://investor.commercebank.com/news-info/financial-news-releases/default.aspx.

What date are the CBSH exhibits dated?

Both the press release and the slide presentation are dated October 16, 2025.

Does the 8-K incorporate the exhibits into Securities Act filings?

No. The furnished information is not incorporated by reference into Securities Act filings.