Commerce Bancshares, Inc. (CBSH)

Solvency & Capital Structure

Total Debt

$2.45B

Net Debt

-$6.51B

Commerce Bancshares, Inc. currently has $2.45B in total debt. Net debt is -$6.51B after cash offsets. This 'Net Cash' position indicates exceptional financial strength.

Financial Fundamentals

CBSH • Quarterly Data • 5Y View

Date	Total Debt ($B)	Cash & Inv. ($B)	Net Debt ($B)	Total Assets	Debt/Assets
2026-06-30	2.45	8.97	-6.51Net Cash	35.27	7.0%
2026-03-31	2.58	9.22	-6.63Net Cash	35.72	7.2%
2025-12-31	3.00	9.90	-6.90Net Cash	32.92	9.1%
2025-09-30	2.48	5.25	-2.77Net Cash	32.29	7.7%
2025-06-30	2.61	12.06	-9.45Net Cash	32.28	8.1%
2025-03-31	2.42	6.24	-3.82Net Cash	32.36	7.5%
2024-12-31	2.93	12.51	-9.58Net Cash	32.00	9.1%
2024-09-30	2.19	12.32	-10.13Net Cash	31.49	7.0%
2024-06-30	2.56	11.08	-8.52Net Cash	30.57	8.4%
2024-03-31	2.51	11.04	-8.53Net Cash	30.37	8.3%
2023-12-31	2.91	12.37	-9.46Net Cash	31.70	9.2%
2023-09-30	3.25	12.07	-8.82Net Cash	31.38	10.4%
2023-06-30	3.88	13.35	-9.47Net Cash	32.83	11.8%
2023-03-31	4.29	12.92	-8.63Net Cash	32.00	13.4%
2022-12-31	2.85	13.08	-10.23Net Cash	31.88	8.9%
2022-09-30	2.32	13.62	-11.30Net Cash	32.60	7.1%
2022-06-30	2.24	14.74	-12.50Net Cash	33.44	6.7%
2022-03-31	2.33	16.37	-14.04Net Cash	34.99	6.6%
2021-12-31	3.04	18.73	-15.69Net Cash	36.69	8.3%
2021-09-30	2.26	16.40	-14.14Net Cash	34.50	6.5%
2021-06-30	2.32	15.81	-13.49Net Cash	33.86	6.9%
2021-03-31	1.94	14.88	-12.94Net Cash	33.27	5.8%
2020-12-31	2.10	14.63	-12.54Net Cash	32.92	6.4%
2020-09-30	1.65	13.07	-11.41Net Cash	31.45	5.3%
2020-06-30	1.74	12.11	-10.37Net Cash	30.50	5.7%
2020-03-31	2.18	9.55	-7.37Net Cash	26.79	8.2%
2019-12-31	1.85	9.46	-7.61Net Cash	26.07	7.1%
2019-09-30	1.90	9.52	-7.62Net Cash	25.88	7.3%
2019-06-30	2.40	9.63	-7.23Net Cash	25.77	9.3%
2019-03-31	1.72	9.22	-7.50Net Cash	25.03	6.9%
2018-12-31	1.97	9.74	-7.77Net Cash	25.46	7.7%
2018-09-30	1.86	9.45	-7.59Net Cash	25.06	7.4%
2018-06-30	1.18	8.91	-7.74Net Cash	24.52	4.8%
2018-03-31	1.14	8.99	-7.85Net Cash	24.61	4.6%
2017-12-31	1.51	9.19	-7.69Net Cash	24.83	6.1%
2017-09-30	1.51	9.68	-8.16Net Cash	24.98	6.1%
2017-06-30	1.36	9.95	-8.60Net Cash	25.08	5.4%
2017-03-31	1.42	10.21	-8.79Net Cash	25.31	5.6%
2016-12-31	1.83	10.42	-8.59Net Cash	25.64	7.1%
2016-09-30	1.59	9.89	-8.30Net Cash	24.73	6.4%
2016-06-30	1.74	9.83	-8.10Net Cash	24.71	7.0%
2016-03-31	1.06	10.10	-9.04Net Cash	24.51	4.3%
2015-12-31	2.07	10.27	-8.20Net Cash	24.60	8.4%
2015-09-30	2.30	9.90	-7.60Net Cash	23.97	9.6%
2015-06-30	1.77	9.90	-8.13Net Cash	23.71	7.5%
2015-03-31	1.71	10.46	-8.74Net Cash	24.05	7.1%
2014-12-31	1.97	10.59	-8.63Net Cash	23.99	8.2%
2014-09-30	1.50	9.56	-8.06Net Cash	22.70	6.6%
2014-06-30	1.26	9.82	-8.56Net Cash	23.03	5.5%
2014-03-31	1.03	9.84	-8.81Net Cash	22.84	4.5%
2013-12-31	1.45	10.14	-8.69Net Cash	23.07	6.3%
2013-09-30	1.87	9.44	-7.57Net Cash	22.45	8.3%
2013-06-30	1.72	9.33	-7.61Net Cash	21.91	7.9%
2013-03-31	1.23	10.19	-8.96Net Cash	22.23	5.5%
2012-12-31	1.19	10.27	-9.09Net Cash	22.16	5.4%
2012-09-30	1.36	0.56	0.80	20.88	6.5%
2012-06-30	1.42	0.50	0.91	20.74	6.8%
2012-03-31	1.23	0.39	0.84	20.53	6.0%
2011-12-31	1.37	9.73	-8.36Net Cash	20.65	6.6%
2011-09-30	1.17	0.56	0.61	20.64	5.7%
2011-06-30	1.39	0.88	0.52	19.57	7.1%
2011-03-31	1.03	0.57	0.47	19.02	5.4%
2010-12-31	1.10	0.45	0.64	18.50	5.9%
2010-09-30	1.87	0.42	1.45	18.75	10.0%
2010-06-30	1.37	0.64	0.73	18.38	7.5%
2010-03-31	1.73	0.35	1.38	18.04	9.6%
2009-12-31	1.84	0.44	1.40	18.12	10.2%
2009-09-30	1.95	0.46	1.49	17.95	10.9%
2009-06-30	2.02	0.38	1.64	17.72	11.4%
2009-03-31	1.85	0.97	0.88	17.95	10.3%
2008-12-31	2.77	1.13	1.64	17.53	15.8%
2008-09-30	2.81	0.50	2.31	16.95	16.6%
2008-06-30	2.69	0.62	2.07	17.02	15.8%
2008-03-31	2.24	0.68	1.55	16.77	13.4%
2007-12-31	1.82	0.67	1.15	16.20	11.2%
2007-09-30	2.40	0.54	1.86	16.02	15.0%
2007-06-30	1.84	0.50	1.34	15.52	11.9%
2007-03-31	1.67	0.52	1.15	15.19	11.0%
2006-12-31	1.83	0.63	1.20	15.23	12.0%
2006-09-30	1.94	0.48	1.46	15.15	12.8%
2006-06-30	1.73	0.66	1.07	14.27	12.1%
2006-03-31	1.16	0.48	0.68	13.73	8.5%
2005-12-31	1.60	0.55	1.05	13.89	11.5%
2005-09-30	2.14	0.48	1.66	13.95	15.3%
2005-06-30	1.97	0.54	1.42	14.12	13.9%
2005-03-31	1.96	0.50	1.45	14.10	13.9%
2004-12-31	2.30	0.59	1.72	14.25	16.2%
2004-09-30	2.26	0.53	1.72	14.15	15.9%
2004-06-30	2.55	0.86	1.69	14.42	17.7%
2004-03-31	2.57	0.41	2.16	14.49	17.7%
2003-12-31	2.51	0.57	1.94	14.29	17.6%
2003-09-30	2.14	0.54	1.60	13.65	15.7%
2003-06-30	2.10	0.66	1.44	13.96	15.0%
2003-03-31	1.58	0.76	0.82	13.44	11.8%
2002-12-31	1.80	0.71	1.09	13.31	13.5%
2002-09-30	1.64	0.74	0.90	13.15	12.4%
2002-06-30	1.01	0.61	0.40	12.30	8.2%
2002-03-31	0.88	0.56	0.33	12.27	7.2%
2001-12-31	1.48	0.82	0.66	12.90	11.5%
2001-09-30	1.17	0.83	0.34	12.32	9.5%
2001-06-30	0.86	0.66	0.20	11.74	7.4%
2001-03-31	0.91	0.59	0.32	11.74	7.7%
2000-12-31	0.77	0.62	0.15	11.12	6.9%
2000-09-30	0.94	0.53	0.41	10.96	8.6%
2000-06-30	0.99	0.64	0.35	11.23	8.8%
2000-03-31	0.92	0.57	0.35	11.21	8.2%
1999-12-31	1.07	0.69	0.38	11.40	9.4%
1999-09-30	0.74	0.60	0.13	11.12	6.6%
1999-06-30	0.64	0.70	-0.06Net Cash	11.07	5.8%
1999-03-31	0.53	0.66	-0.12Net Cash	11.07	4.8%
1998-12-31	0.64	0.74	-0.09Net Cash	11.40	5.7%
1998-09-30	0.62	0.60	0.02	10.63	5.8%
1998-06-30	0.52	0.68	-0.16Net Cash	10.34	5.0%
1998-03-31	0.51	0.74	-0.23Net Cash	10.37	4.9%
1997-12-31	0.52	0.98	-0.46Net Cash	10.31	5.0%
1997-09-30	0.49	0.80	-0.31Net Cash	10.01	4.9%
1997-06-30	0.45	0.85	-0.41Net Cash	9.79	4.6%
1997-03-31	0.44	0.75	-0.31Net Cash	9.65	4.5%
1996-12-31	0.54	0.83	-0.29Net Cash	9.70	5.6%
1996-09-30	0.43	0.70	-0.27Net Cash	9.41	4.6%