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  <xs:element id="cbsh_CommonCollectiveTrustLineItems" abstract="true" name="CommonCollectiveTrustLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="cbsh_CompanyStockFundTextBlock" abstract="false" name="CompanyStockFundTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="cbsh_EBPPlanTerminationAbstract" abstract="true" name="EBPPlanTerminationAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="cbsh_PlanTerminationTable" abstract="true" name="PlanTerminationTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="cbsh_PlanTerminationLineItems" abstract="true" name="PlanTerminationLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="cbsh_EBPPlanAmendmentAbstract" abstract="true" name="EBPPlanAmendmentAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="cbsh_EBPPlanAmendmentTable" abstract="true" name="EBPPlanAmendmentTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="cbsh_EBPNewAccountingPronouncementsAbstract" abstract="true" name="EBPNewAccountingPronouncementsAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="cbsh_EBPNewAccountingPronouncementsTable" abstract="true" name="EBPNewAccountingPronouncementsTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="cbsh_NewAccountingPronouncementsTextBlock" abstract="false" name="NewAccountingPronouncementsTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="cbsh_ScheduleOfAssetsTextBlock" abstract="false" name="ScheduleOfAssetsTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="cbsh_EBPEmployerContributionVestingScheduleTable" abstract="true" name="EBPEmployerContributionVestingScheduleTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="cbsh_EBPEmployerContributionVestingScheduleTableTextBlock" abstract="false" name="EBPEmployerContributionVestingScheduleTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="cbsh_EBPCompanyStockFundTable" abstract="true" name="EBPCompanyStockFundTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="cbsh_EBPSummaryOfChangesInESOPAssetsTableTextBlock" abstract="false" name="EBPSummaryOfChangesInESOPAssetsTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="cbsh_EBPSummaryOfDividendsPaidOnCompanyStockTableTextBlock" abstract="false" name="EBPSummaryOfDividendsPaidOnCompanyStockTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="cbsh_EBPSummaryOfCommonCollectiveTrustTableTextBlock" abstract="false" name="EBPSummaryOfCommonCollectiveTrustTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="cbsh_EBPMinimumAgeOfEligibleParticipant" abstract="false" name="EBPMinimumAgeOfEligibleParticipant" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:pureItemType"/>
  <xs:element id="cbsh_EBPActiveParticipants" abstract="false" name="EBPActiveParticipants" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:pureItemType"/>
  <xs:element id="cbsh_ParticipantMaximumCatchUpContributionLimit" abstract="false" name="ParticipantMaximumCatchUpContributionLimit" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cbsh_EmployeeBenefitPlanMinimumGradedEmployerMatchingPercentage" abstract="false" name="EmployeeBenefitPlanMinimumGradedEmployerMatchingPercentage" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="cbsh_EmployeeBenefitPlanMaximumGradedEmployerMatchingPercentage" abstract="false" name="EmployeeBenefitPlanMaximumGradedEmployerMatchingPercentage" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="cbsh_EBPParticipantVestPercentageInRolloverContributions" abstract="false" name="EBPParticipantVestPercentageInRolloverContributions" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="cbsh_EBPIncrementalPercentageOfTransfersBetweenExistingFundBalances" abstract="false" name="EBPIncrementalPercentageOfTransfersBetweenExistingFundBalances" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="cbsh_EPBIncrementalPercentageOfFutureEmployeeContributions" abstract="false" name="EPBIncrementalPercentageOfFutureEmployeeContributions" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="cbsh_EBPTermsOfFullVestingOutsideOfServiceTime" abstract="false" name="EBPTermsOfFullVestingOutsideOfServiceTime" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="cbsh_EBPVestingHoursOfServiceTimeEqualToAServiceYear" abstract="false" name="EBPVestingHoursOfServiceTimeEqualToAServiceYear" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:pureItemType"/>
  <xs:element id="cbsh_EBPForfeitedNonvestedAccountUnallocatedBalanceAvailableForFutureOffsetOfCompanyContributions" abstract="false" name="EBPForfeitedNonvestedAccountUnallocatedBalanceAvailableForFutureOffsetOfCompanyContributions" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cbsh_EBPCompanyMatchingContributionsVestingYearsOfServiceTrancheOne" abstract="false" name="EBPCompanyMatchingContributionsVestingYearsOfServiceTrancheOne" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="cbsh_EBPCompanyMatchingContributionsVestingYearsOfServiceTrancheTwo" abstract="false" name="EBPCompanyMatchingContributionsVestingYearsOfServiceTrancheTwo" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="cbsh_EBPCompanyContributionsVestingYearsOfServicePercentageTrancheOne" abstract="false" name="EBPCompanyContributionsVestingYearsOfServicePercentageTrancheOne" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="cbsh_EBPCompanyContributionsVestingYearsOfServicePercentageTrancheTwo" abstract="false" name="EBPCompanyContributionsVestingYearsOfServicePercentageTrancheTwo" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="cbsh_EBPSummaryOfChangesInESOPAssetsTable" abstract="true" name="EBPSummaryOfChangesInESOPAssetsTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="cbsh_EBPInvestmentESOPFairValue" abstract="false" name="EBPInvestmentESOPFairValue" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cbsh_EBPChangeInNetAssetAvailableForBenefitESOPDecreaseFromPaymentToParticipant" abstract="false" name="EBPChangeInNetAssetAvailableForBenefitESOPDecreaseFromPaymentToParticipant" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cbsh_EBPDividendsPaidOnCompanyStockTable" abstract="true" name="EBPDividendsPaidOnCompanyStockTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="cbsh_EBPDividendsPaidReinvestedInCompanyStock" abstract="false" name="EBPDividendsPaidReinvestedInCompanyStock" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cbsh_EBPDividendsPaidDistributedToParticipants" abstract="false" name="EBPDividendsPaidDistributedToParticipants" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cbsh_EBPDividendsPaid" abstract="false" name="EBPDividendsPaid" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cbsh_EBPInvestmentValuedUsingNetAssetValue" abstract="false" name="EBPInvestmentValuedUsingNetAssetValue" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="cbsh_EBPUnfundedCommitments" abstract="false" name="EBPUnfundedCommitments" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="cbsh_EBPInvestmentRedemptionTerms" abstract="false" name="EBPInvestmentRedemptionTerms" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="cbsh_VestedPercentageIfPlanTerminated" abstract="false" name="VestedPercentageIfPlanTerminated" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="cbsh_EmployeeBenefitPlanParticipantLoanMaturity" abstract="false" name="EmployeeBenefitPlanParticipantLoanMaturity" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="cbsh_CommerceBancsharesInc.Member" abstract="true" name="CommerceBancsharesInc.Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cbsh_FidelityMember" abstract="true" name="FidelityMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cbsh_MoneyMarketFundMember" abstract="true" name="MoneyMarketFundMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cbsh_T.RowePriceMember" abstract="true" name="T.RowePriceMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cbsh_AmericanCenturyMember" abstract="true" name="AmericanCenturyMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cbsh_AmericanFundsMember" abstract="true" name="AmericanFundsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cbsh_DimensionalFundAdvisorsMember" abstract="true" name="DimensionalFundAdvisorsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cbsh_DodgeCoxMember" abstract="true" name="DodgeCoxMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cbsh_InvescoMember" abstract="true" name="InvescoMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cbsh_JPMorganMember" abstract="true" name="JPMorganMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cbsh_VanguardMember" abstract="true" name="VanguardMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cbsh_VictoryCapitalManagementInc.Member" abstract="true" name="VictoryCapitalManagementInc.Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cbsh_VirtusInvestmentPartnersMember" abstract="true" name="VirtusInvestmentPartnersMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
</xs:schema>
