COMMERCE BANCSHARES INC MO

For the period ended Dec 31, 2023. Filed Feb 22, 2024.

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A company's yearly report to the SEC, with audited financial statements. It is the fullest account a company gives of its business, its finances and the risks it sees.

FY2023 · Filed Feb 22, 2024

CBSH$56.03+1.8%Stored close · as of Nov 9, 2026

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Contents

Commerce Bancshares, Inc.
INDEX · Page
PART I	Item 1.	Business	3
	Item 1a.	Risk Factors	9
	Item 1b.	Unresolved Staff Comments	15
	Item 1c.	Cybersecurity	15
	Item 2.	Properties	18
	Item 3.	Legal Proceedings	18
	Item 4.	Mine Safety Disclosures	18
PART II	Item 5.	Market for Registrant’s Common Equity, Related Stockholder Matters and Issuer Purchases of Equity Securities	20
	Item 6.	RESERVED	21
	Item 7.	Management’s Discussion and Analysis of Financial Condition and Results of Operations	22
	Item 7a.	Quantitative and Qualitative Disclosures about Market Risk	65
	Item 8.	Financial Statements and Supplementary Data	65
	Item 9.	Changes in and Disagreements with Accountants on Accounting and Financial Disclosure	141
	Item 9a.	Controls and Procedures	141
	Item 9b.	Other Information	143
	Item 9c.	Disclosure regarding Foreign Jurisdictions that Prevent Inspections	143
PART III	Item 10.	Directors, Executive Officers and Corporate Governance	143
	Item 11.	Executive Compensation	143
	Item 12.	Security Ownership of Certain Beneficial Owners and Management and Related Stockholder Matters	143
	Item 13.	Certain Relationships and Related Transactions, and Director Independence	143
	Item 14.	Principal Accounting Fees and Services	143
PART IV	Item 15.	Exhibits and Financial Statement Schedules	144
Signatures	146

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