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Commerce Bancshares (CBSH) guidance and outlook

Commerce Bancshares' 10-Q filed Nov 5, 2026 makes 17 forward-looking statements.

Guidance and outlook

Forward-looking statements, 10-Q filed Nov 5, 2026

• To determine the amount of the allowance for credit losses on loans and the liability for unfunded lending commitments, the Company has an established process which assesses the risks and losses expected in its portfolios.
• The Company's unfunded lending commitments primarily relate to construction loans, and the Company's estimate for credit losses in its unfunded lending commitments utilizes the same model and forecast as its estimate for credit losses on loans.
• The Company considers the allowance for credit losses on loans and the liability for unfunded commitments adequate to cover losses expected in the loan portfolio, including unfunded commitments, at September 30, 2026.
• The Company utilizes a third-party macro-economic forecast that continuously changes due to economic conditions and events.
• The Company uses judgment to assess the macro-economic forecast and internal loss data in estimating the allowance for credit losses on loans and the liability for unfunded lending commitments.
• Loans are placed on non-accrual status when management does not expect to collect payments consistent with acceptable and agreed upon terms of repayment.
• During the remainder of 2026 through 2029, approximately 17.6% of the Company's current outstanding balances are expected to mature.
• The Company does not expect a significant increase in losses as these loans mature, due to their high FICO scores, low LTVs, and low historical loss levels.
• Management believes that the risks in the consumer loan portfolio are reasonable and the anticipated loss ratios are within acceptable parameters.
• Approximately $1.1 billion of the Company's available for sale debt portfolio is expected to mature or pay down during the next 12 months, and these funds offer substantial resources to meet either new loan demand or offset potential reductions in the Company's deposit funding base.
• If these corporate deposits decline, the Company's funding needs may be met by liquidity supplied by investment security maturities and pay downs expected to total $1.1 billion over the next year, as noted above.
• The Company is subject to a 2.5% capital conservation buffer, which is an amount above the minimum ratios under capital adequacy guidelines, and is intended to absorb losses during periods of economic stress.

Commerce Bancshares' latest quarter

Questions

What does Commerce Bancshares expect?

To determine the amount of the allowance for credit losses on loans and the liability for unfunded lending commitments, the Company has an established process which assesses the risks and losses expected in its portfolios. The Company's unfunded lending commitments primarily relate to construction loans, and the Company's estimate for credit losses in its unfunded lending commitments utilizes the same model and forecast as its estimate for credit losses on loans. The Company considers the allowance for credit losses on loans and the liability for unfunded commitments adequate to cover losses e

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Updated Nov 8, 2026. Read automatically from SEC filings and public data; errors are possible. Not investment advice.