Bank of Commerce
Total assets
$203.2M
▲ +10.2% YoY
Deposits
$174.5M
▲ +10.6% YoY
Loans
$133.5M
▲ +9.4% YoY
Offices
6
COMMERCE BANCSHARES INC
ROA (annualized)
1.83%
peers 1.24%
ROE (annualized)
14.92%
peers 11.87%
Peer comparison 1,900 banks with 100M-500M in assets
| Metric | Bank of Commerce | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.2% | +4.4% | +5.8 pts |
| Deposit growth (YoY) | +10.6% | +4.0% | +6.7 pts |
| Loan growth (YoY) | +9.4% | +5.6% | +3.8 pts |
| ROA | 1.83% | 1.24% | +0.6 pts |
| ROE | 14.9% | 11.9% | +3.1 pts |
ROA ranks in the 81st percentile of its peer group · Q2 2026
Profile
- Established
- 1896
- Charter
- State
- Primary regulator
- FED
- Holding company
- COMMERCE BANCSHARES INC
- Specialization
- Commercial Lending Specialization
- Address
- 322 W 6th St, Chelsea, OK, 74016
- County
- Rogers
- Metro area
- Tulsa, OK
- Offices
- 6
- FDIC cert #
- 13274
- RSSD ID
- 152057
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $203.2M | $174.5M | $133.5M | $25.2M | $1.8M | 1.83% | 6.09% | 0.52% |
| Q1 2026 | $205.5M | $177.0M | $129.4M | $24.3M | $876K | 1.79% | 6.02% | 0.53% |
| Q4 2025 | $186.2M | $158.7M | $131.8M | $23.5M | $3.9M | 2.11% | 6.50% | 0.41% |
| Q3 2025 | $179.9M | $151.6M | $121.0M | $24.4M | $3.0M | 2.17% | 6.46% | 0.43% |
| Q2 2025 | $184.4M | $157.7M | $122.1M | $23.1M | $2.0M | 2.16% | 6.34% | 0.41% |
| Q1 2025 | $188.9M | $162.6M | $122.3M | $22.0M | $968K | 2.06% | 6.07% | 0.59% |
| Q4 2024 | $186.6M | $161.9M | $120.7M | $20.6M | $3.7M | 1.90% | 5.67% | 0.52% |
| Q3 2024 | $197.0M | $170.4M | $121.0M | $22.7M | $2.9M | 1.96% | 5.59% | 0.43% |
Loan mix (Q2 2026): real estate $104.3M · commercial $10.1M · consumer $15.2M · securities $27.4M
Ratio pack Q2 2026 · peer medians from 1900 institutions
Profitability
| Ratio | Bank of Commerce | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.83% | 1.24% | 81th | |
Return on equity Annualized net income ÷ equity or net worth | 14.9% | 11.9% | 68th | |
Net interest margin Interest income − interest expense, ÷ assets | 6.09% | 3.96% | 99th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 64.8% | 62.9% | 55th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Bank of Commerce | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Bank of Commerce | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Bank of Commerce | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Bank of Commerce | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
Similar banks
- Exchange Bank and Trust CompanyPerry, OK · $428.7M
- The Citizens Bank of EdmondEdmond, OK · $432.4M
- The City National Bank and Trust Company of Lawton, OklahomaLawton, OK · $446.2M
- Welch State Bank of Welch, Okla.Welch, OK · $449.8M
- Watermark BankOklahoma City, OK · $450.5M
- Local BankHulbert, OK · $463.1M
Selling to Bank of Commerce?
See Pro plan →Peer lists, growth filters, CSV export, CRM push.