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Dec 31, 2025
Commerce Bank Q4 2025 Earnings Report
Commerce Bancshares reported Q4 results with steady earnings, increased revenues, and robust loan and deposit growth.
Key Takeaways
Commerce Bancshares delivered record quarterly revenue with $449.4M, supported by strength in both net interest and non-interest income. EPS remained at $1.01, and net income totaled $140.7M. Credit quality remained strong, with non-accrual loans at just 0.09% of total loans.
Record quarterly revenue of $449.4M, up from $422.1M a year ago
EPS held steady at $1.01; Net income reached $140.7M
Trust fees surged 10.3% YoY, reflecting strength in wealth management
Non-accrual loans remained low at 0.09% of total loans
Revenue by Segment
Revenue by Geographic Location
Forward Guidance
Commerce Bancshares expects continued momentum in private banking and wealth management following the FineMark acquisition, alongside strong balance sheet positioning.
Positive Outlook
- FineMark acquisition adds $8.7B in wealth assets under administration
- Trust fees expected to remain strong from private client business
- Robust capital levels and liquidity
- Continued low non-accrual loans
- Deposit growth supports future lending capacity
Challenges Ahead
- Lower interest income on loans due to declining yields
- Investment securities gains declined QoQ
- Higher non-interest expenses from legal and software costs
- Elevated rewards expense impacting card fee margins
Historical Earnings Impact
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Avg. Return Before/After Earnings
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