Net Interest Income

Increased from 248,999 thousand USD in Q1 2024 to 269,102 thousand USD in Q1 2025 (≈8% increase)

The increase is driven by higher yields on earning assets, particularly from investment securities and securities purchased under agreements to resell (contributing around +$10.3 million and +$5.8 million respectively), along with reduced interest expense on both deposits and borrowings. These factors contrast with the lower interest income on loans seen previously, emphasizing a strategic shift in asset yield generation. " "

Provision for Credit Losses

Increased from 4,787 thousand USD in Q1 2024 to 14,487 thousand USD in Q1 2025 (≈203% increase)

The substantial rise reflects a more cautious allowance estimation driven by deteriorating macroeconomic indicators and higher net charge-offs, especially in the consumer-related portfolios. Compared to the previous lower levels, the shift indicates that the company has adjusted its credit loss model significantly in response to increased loan charge-offs and a higher risk forecast. " "

Net Income Attributable to CBSH

Increased from 112,663 thousand USD in Q1 2024 to 131,592 thousand USD in Q1 2025 (≈17% increase)

Net income grew substantially due to the boost in net interest income and additional gains in non-interest income, which outweighed the rise in credit loss provisions. This improvement builds on the prior period’s solid revenue performance and efficient expense management, marking an overall stronger profitability profile. " "

Basic Earnings per Common Share

Increased from 0.87 in Q1 2024 to 0.98 in Q1 2025 (12.6% increase)

The increase in EPS reflects the combined effect of higher net income and possibly a reduction in the weighted average common shares outstanding. This improvement continues the trend of enhanced profitability seen in the prior period while leveraging cost efficiency gains and earnings quality improvements. " "

Other Borrowings

Increased from 2,359 thousand USD in Q1 2024 to 17,744 thousand USD in Q1 2025 (an increase of over 650%)

A dramatic increase in Other Borrowings indicates a strategic or liquidity-driven change in financing, which contrasts sharply with the low levels recorded in the previous period. This could suggest a shift in the company’s funding strategy, perhaps to support asset growth or manage short-term liquidity needs more aggressively. " "

Securities Purchased Under Agreements to Resell

Increased from 225,000 thousand USD in Q1 2024 to 850,000 thousand USD in Q1 2025 (more than 277% increase)

The significant jump in these securities is reflective of an aggressive liquidity management strategy, supported by the marked increase in their fair value (from approximately 622,021 thousand USD to 865,070 thousand USD). The rise, along with a higher average yield on these securities, underscores a deliberate shift compared to the previous period’s levels, aimed at optimizing the balance sheet’s earnings capability. " " " " "