Total Debt for Commerce Bancshares (CBSH)
According to Commerce Bancshares's latest reported financial statements, the company's latest reported total debt is $2.58B USD. Total debt is the sum of short-term and long-term interest-bearing borrowings on the balance sheet (notes, bonds, term loans, lease liabilities). Useful for leverage and refinancing risk — combine with cash on hand for net debt, and see total liabilities for the broader obligations picture.
Headline figure above is from the reporting period ending (reported ). Chart and table below cover the full reported history back to .
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Latest period
$2.58B
YoY change
+2.6%
5Y CAGR
+7.4%
Peak year (2021)
$3.04B
Latest annual
$3.00B
Total Debt history chart for Commerce Bancshares (CBSH) from 1989 to 2025
Total Debt history table for Commerce Bancshares (CBSH) from 1989 to 2025
| Fiscal year | Period ended | Reported | Total Debt | YoY |
|---|---|---|---|---|
| 2025 | $3.00B | +2.6% | ||
| 2024 | $2.93B | +0.6% | ||
| 2023 | $2.91B | +2.1% | ||
| 2022 | $2.85B | -6.1% | ||
| 2021 | $3.04B | +44.6% | ||
| 2020 | $2.10B | +13.3% | ||
| 2019 | $1.85B | -5.7% | ||
| 2018 | $1.97B | +30.2% | ||
| 2017 | $1.51B | -17.4% | ||
| 2016 | $1.83B | -11.7% | ||
| 2015 | $2.07B | +5.1% | ||
| 2014 | $1.97B | +35.3% | ||
| 2013 | $1.45B | +22.5% | ||
| 2012 | $1.19B | -13.2% | ||
| 2011 | $1.37B | +24.9% | ||
| 2010 | $1.10B | -40.5% | ||
| 2009 | $1.84B | -33.7% | ||
| 2008 | $2.77B | +52.2% | ||
| 2007 | $1.82B | -0.1% | ||
| 2006 | $1.83B | +14.4% | ||
| 2005 | $1.60B | -30.7% | ||
| 2004 | $2.30B | -8.2% | ||
| 2003 | $2.51B | +39.6% | ||
| 2002 | $1.80B | +21.5% | ||
| 2001 | $1.48B | +92.6% | ||
| 2000 | $768.56M | -28.0% | ||
| 1999 | $1.07B | +65.6% | ||
| 1998 | $644.90M | +24.1% | ||
| 1997 | $519.80M | -3.9% | ||
| 1996 | $540.90M | +43.3% | ||
| 1995 | $377.50M | +27.1% | ||
| 1994 | $297.10M | -26.1% | ||
| 1993 | $402.00M | -4.0% | ||
| 1992 | $418.60M | +24.4% | ||
| 1991 | $336.60M | -16.6% | ||
| 1990 | $403.70M | +7.7% | ||
| 1989 | $375.00M | — |
Total Debt values are taken from Commerce Bancshares's reported balance sheets (10-Q quarterly and 10-K annual filings with the U.S. Securities and Exchange Commission). Each row shows the period end date and the date the filing was reported; YoY compares each figure to the same period one year earlier. Amounts are in USD as filed.
Analysis
As of the 2025 fiscal year, Commerce Bancshares (CBSH) reported total debt of $3.00B – edged up 2.6% year-over-year.
Over 2020–2025 (5 years), Commerce Bancshares total debt expanded at a +7.4% compound annual rate, with the latest reading among the more recent periods of the dataset.
$3.04B stands as the all-time-high annual total debt, posted in 2021, against a low of $297.10M during 1994.
Commerce Bancshares (CBSH) sits 9th of 8 Financial Services peers we track on this metric, against a peer median of $395.81B.
Commerce Bancshares Total Debt by Year
Commerce Bancshares Total Debt 2025: $3.00B
Commerce Bancshares total debt in 2025 was $3.00B, edged up 2.6% from 2024.
Commerce Bancshares Total Debt 2024: $2.93B
Commerce Bancshares total debt in 2024 was $2.93B, edged up 0.6% from 2023.
Commerce Bancshares Total Debt 2023: $2.91B
Commerce Bancshares total debt in 2023 was $2.91B, edged up 2.1% from 2022.
Commerce Bancshares Total Debt 2022: $2.85B
Commerce Bancshares total debt in 2022 was $2.85B, declined 6.1% below 2021.
Commerce Bancshares Total Debt 2021: $3.04B
Commerce Bancshares total debt in 2021 was $3.04B.
See more financial history for Commerce Bancshares (CBSH).
Sector peers — Total Debt
Companies in the same sector as Commerce Bancshares, ranked by their latest total debt.
| Company | Total Debt | Sector |
|---|---|---|
| JPMorgan Chase & Co. (JPM) | $942.38B | Financial Services |
| The Goldman Sachs Group, Inc. (GS) | $609.53B | Financial Services |
| Morgan Stanley (MS) | $475.56B | Financial Services |
| Wells Fargo & Company (WFC) | $425.72B | Financial Services |
| Bank of America Corporation (BAC) | $365.90B | Financial Services |
| Berkshire Hathaway Inc. (BRK-B) | $138.95B | Financial Services |
| Visa Inc. (V) | $25.17B | Financial Services |
| Mastercard Incorporated (MA) | $19.00B | Financial Services |
Frequently asked questions
What is Commerce Bancshares's total debt?
- Latest reported total debt for Commerce Bancshares (CBSH) is $2.58B (period ending March 31, 2026).
How has Commerce Bancshares total debt changed year-over-year?
- Commerce Bancshares (CBSH) total debt changed +2.6% year-over-year on the latest annual filing.
What is the long-term growth rate of Commerce Bancshares total debt?
- Commerce Bancshares (CBSH) total debt compound annual growth rate is +7.4% over the most recent 5 years available.
When did Commerce Bancshares total debt hit its highest annual value?
- Commerce Bancshares total debt reached its highest annual value of $3.04B in 2021.
What was Commerce Bancshares total debt in 2024?
- Commerce Bancshares (CBSH) total debt in 2024 was $2.93B.
What was Commerce Bancshares total debt in 2025?
- Commerce Bancshares (CBSH) total debt in 2025 was $3.00B.
Metrics overview
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