Bank of Commerce & Trust Co.
Total assets
$377.9M
▲ +4.3% YoY
Deposits
$332.0M
▲ +3.1% YoY
Loans
$98.2M
▲ +6.0% YoY
Offices
5
ROA (annualized)
0.32%
peers 1.24%
ROE (annualized)
3.77%
peers 11.87%
Peer comparison 1,900 banks with 100M-500M in assets
| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.3% | +4.4% | -0.1 pts |
| Deposit growth (YoY) | +3.1% | +4.0% | -0.9 pts |
| Loan growth (YoY) | +6.0% | +5.6% | +0.4 pts |
| ROA | 0.32% | 1.24% | -0.9 pts |
| ROE | 3.8% | 11.9% | -8.1 pts |
ROA ranks in the 8th percentile of its peer group · Q2 2026
Profile
- Established
- 1926
- Charter
- State
- Primary regulator
- FDIC
- Specialization
- Agricultural Specialization
- Address
- 326 N Avenue G, Crowley, LA, 70526
- County
- Acadia
- Metro area
- Lafayette, LA
- Offices
- 5
- FDIC cert #
- 10523
- RSSD ID
- 476539
- 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 | $377.9M | $332.0M | $98.2M | $33.3M | $614K | 0.32% | 2.34% | 0.05% |
| Q1 2026 | $374.6M | $329.8M | $99.1M | $32.3M | $229K | 0.24% | 2.27% | 0.09% |
| Q4 2025 | $395.9M | $353.8M | $102.2M | $32.1M | $662K | 0.18% | 2.22% | 0.09% |
| Q3 2025 | $365.6M | $324.0M | $102.3M | $30.7M | $518K | 0.19% | 2.21% | 0.09% |
| Q2 2025 | $362.4M | $322.1M | $92.6M | $28.3M | $362K | 0.20% | 2.24% | 0.10% |
| Q1 2025 | $361.7M | $324.1M | $88.9M | $25.9M | $114K | 0.12% | 2.20% | 0.09% |
| Q4 2024 | $370.7M | $333.9M | $91.7M | $22.8M | $842K | 0.23% | 2.14% | 0.09% |
| Q3 2024 | $360.8M | $311.9M | $94.6M | $25.8M | $757K | 0.28% | 2.19% | 0.10% |
Loan mix (Q2 2026): real estate $59.3M · commercial $16.7M · consumer $5.6M · securities $231.2M
Ratio pack Q2 2026 · peer medians from 1900 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.32% | 1.24% | 8th | |
Return on equity Annualized net income ÷ equity or net worth | 3.8% | 11.9% | 11th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.34% | 3.96% | 2th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 84.6% | 62.9% | 90th | |
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 | Value | 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 | Value | 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 | Value | 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 | Value | 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
- Winnsboro State Bank & Trust CompanyWinnsboro, LA · $425.7M
- Guaranty Bank & Trust Company of Delhi, LouisianaDelhi, LA · $457.4M
- The BankJennings, LA · $462.0M
- Louisiana National BankRuston, LA · $474.0M
- Citizens Bank & Trust CompanyPlaquemine, LA · $480.8M
- Astra BankScandia, KS · $423.3M
Selling to Bank of Commerce & Trust Co.?
See Pro plan →Peer lists, growth filters, CSV export, CRM push.