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  <xs:element id="cbsh_ExchangeOfferConversionRateOfCommonStock" abstract="false" name="ExchangeOfferConversionRateOfCommonStock" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:pureItemType"/>
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  <xs:element id="cbsh_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentOtherThanOptionsNetAdjustmentWeightedAverageFairValue" abstract="false" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentOtherThanOptionsNetAdjustmentWeightedAverageFairValue" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:perShareItemType"/>
  <xs:element id="cbsh_CurrentYearPerShareAverageFairValueandValuationModelAssumptionsAbstract" abstract="true" name="CurrentYearPerShareAverageFairValueandValuationModelAssumptionsAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="cbsh_ShareBasedCompensationAwardPerformanceStockUnitGrantsInPeriodWeightedAvgGrantDateFairValue" abstract="false" name="ShareBasedCompensationAwardPerformanceStockUnitGrantsInPeriodWeightedAvgGrantDateFairValue" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:perShareItemType"/>
  <xs:element id="cbsh_PercentofRevenuenotinscopeofASC606" abstract="false" name="PercentofRevenuenotinscopeofASC606" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="cbsh_DepositFeeRevenueBySegment" abstract="false" name="DepositFeeRevenueBySegment" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="cbsh_NatureofRevenueAxis" abstract="true" name="NatureofRevenueAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="cbsh_NatureofRevenueDomain" abstract="true" name="NatureofRevenueDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cbsh_RevenuefromContractswithCustomersInScopeofASC606Member" abstract="true" name="RevenuefromContractswithCustomersInScopeofASC606Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cbsh_RevenueNotInScopeofASC606Member" abstract="true" name="RevenueNotInScopeofASC606Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cbsh_TrustFeesMember" abstract="true" name="TrustFeesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cbsh_BankCardTransactionFeesMember" abstract="true" name="BankCardTransactionFeesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cbsh_DepositAccountChargesandOtherFeesMember" abstract="true" name="DepositAccountChargesandOtherFeesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cbsh_ConsumerBrokerageServicesMember" abstract="true" name="ConsumerBrokerageServicesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cbsh_ContractwithCustomerAssetandLiabilityTable" abstract="true" name="ContractwithCustomerAssetandLiabilityTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="cbsh_ContractwithCustomerAssetandLiabilityLineItems" abstract="true" name="ContractwithCustomerAssetandLiabilityLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="cbsh_USGovernmentSponsoredEnterprisesDebtSecurities" abstract="false" name="USGovernmentSponsoredEnterprisesDebtSecurities" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cbsh_FinancialInstrumentsOwnedAgencyMortgageBackedSecuritiesAtFairValue" abstract="false" name="FinancialInstrumentsOwnedAgencyMortgageBackedSecuritiesAtFairValue" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cbsh_FinancialInstrumentsOwnedNonAgencyMortgageBackedSecuritiesAtFairValue" abstract="false" name="FinancialInstrumentsOwnedNonAgencyMortgageBackedSecuritiesAtFairValue" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cbsh_OtherAssetBackedSecuritiesDisclosure" abstract="false" name="OtherAssetBackedSecuritiesDisclosure" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cbsh_FinancialInstrumentsOwnedOtherDebtSecuritiesAtFairValue" abstract="false" name="FinancialInstrumentsOwnedOtherDebtSecuritiesAtFairValue" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cbsh_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetDiscountAccretion" abstract="false" name="FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetDiscountAccretion" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cbsh_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetPurchaseOfPrivateEquitySecurities" abstract="false" name="FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetPurchaseOfPrivateEquitySecurities" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cbsh_SalesAndRepaymentsOfPrivateEquitySecurities" abstract="false" name="SalesAndRepaymentsOfPrivateEquitySecurities" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cbsh_CapitalizedInterestOrDividends" abstract="false" name="CapitalizedInterestOrDividends" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cbsh_ChangeInUnrealizedGainsOrLossesRelatedToAssetsHeldLevel3FairValueMeasurements" abstract="false" name="ChangeInUnrealizedGainsOrLossesRelatedToAssetsHeldLevel3FairValueMeasurements" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cbsh_GainsLossesIncludedInOCIAttributableToChangeInUnrealizedGainsLossesRelatingToAssetsStillHeldTotal" abstract="false" name="GainsLossesIncludedInOCIAttributableToChangeInUnrealizedGainsLossesRelatingToAssetsStillHeldTotal" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cbsh_InvestmentSecuritiesGainsLossesMember" abstract="true" name="InvestmentSecuritiesGainsLossesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cbsh_TotalGainsOrLossesIncludedInEarningsLevel3FairMeasurements" abstract="false" name="TotalGainsOrLossesIncludedInEarningsLevel3FairMeasurements" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cbsh_FairValueMarketComparableCompaniesValuationTechniques" abstract="false" name="FairValueMarketComparableCompaniesValuationTechniques" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="cbsh_FairValueinputsEarningsbeforeinteresttaxesdepreciationamortizationEBITDAmultiple" abstract="false" name="FairValueinputsEarningsbeforeinteresttaxesdepreciationamortizationEBITDAmultiple" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:decimalItemType"/>
  <xs:element id="cbsh_LoansNonrecurringBasis" abstract="false" name="LoansNonrecurringBasis" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cbsh_LoansNonrecurringBasisGainsLosses" abstract="false" name="LoansNonrecurringBasisGainsLosses" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cbsh_LongLivedAssetsNonrecurringBasis" abstract="false" name="LongLivedAssetsNonrecurringBasis" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cbsh_LongLivedAssetsNonrecurringBasisGainsLosses" abstract="false" name="LongLivedAssetsNonrecurringBasisGainsLosses" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cbsh_AssetsFairValueFinancialInstruments" abstract="false" name="AssetsFairValueFinancialInstruments" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
</xs:schema>
