cbsh-20260716 False 0000022356 0000022356 2026-07-16 2026-07-16 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): July 16, 2026 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 July 16, 2026 by Commerce Bancshares, Inc. announcing Second Quarter 2026 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 July 16, 2026 99.2 Slide presentation for investors and analysts dated July 16, 2026 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/ Steven A. Brandjord Steven A. Brandjord Controller (Chief Accounting Officer) Date: July 16, 2026

Commerce Bancshares, Inc. announced its second quarter 2026 earnings results on July 16, 2026, releasing detailed financial performance metrics and a slide presentation for investors and analysts.

On July 16, 2026, Commerce Bancshares, Inc. released its earnings report for the second quarter of 2026. The release included detailed financial results, highlighting the company's performance over this period. The results were made available through a press release, accompanied by a slide presentation for investors and analysts as Exhibit 99.2. This report captures critical financial metrics that can impact the company's valuation and strategic decisions moving forward.

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