Commerce Bancshares reported FY 2025 net income attributable to shareholders of USD 566.3 million, up 7.6%, with diluted EPS of USD 4.04. Total revenue increased 6.5% to USD 1.8 billion, driven by net interest income of USD 1.1 billion (+6.9%) and non-interest income of USD 652.3 million (+6.0%). Non-interest expense rose 3.0% to USD 979.8 million, while provision for credit losses increased to USD 56.1 million. Return on average assets was 1.79% and return on average common equity was 15.76%; the efficiency ratio improved to 55.5%. Key business highlights included trust fees of USD 232.7 million (+8.5%) as total customer trust assets rose 9.1% to USD 81.6 billion, while bank card transaction fees declined 2.9% to USD 184.3 million, mainly due to higher rewards expense. Loans ended 2025 at USD 17.8 billion (+3.2%), deposits were USD 25.6 billion (+1.4%), and the average loans-to-deposits ratio was 69.8%. The company paid USD 1.05 per share in common cash dividends in FY 2025 (+6.9%), issued its 32nd consecutive annual 5% stock dividend, and repurchased 3.6 million shares during the year. Asset quality remained low with non-performing assets of USD 17.0 million (0.10% of loans) and net loan charge-offs of USD 40.7 million.

Disclaimer: This news brief was created by Public Technologies (PUBT) using generative artificial intelligence. While PUBT strives to provide accurate and timely information, this AI-generated content is for informational purposes only and should not be interpreted as financial, investment, or legal advice. Commerce Bancshares Inc. published the original content used to generate this news brief via EDGAR, the Electronic Data Gathering, Analysis, and Retrieval system operated by the U.S. Securities and Exchange Commission (Ref. ID: 0000022356-26-000069), on February 24, 2026, and is solely responsible for the information contained therein.