BANK OF COMMERCE

CHELSEA, OK | Small | Est. March 23, 1896, midnight | FDIC #13274 | RSSD #152057 | FED
Latest Report: 2025-12-31

BANK OF COMMERCE is asn small FDIC-insured commercial bank headquartered in CHELSEA, OK, established in March 23, 1896, midnight. As of 2025-12-31, the bank reported total assets of $186M and total deposits of $159M. Profitability stands at 1.98% ROA and 15.14% ROE, with a net interest margin of 6.78%. The bank's CET1 capital ratio is 17.48%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.57% and a Texas Ratio of 3.01%. FDIC Certificate #13274.

Assets

$186M

Deposits

$159M

Loans

$134M

Equity

$23M

Profitability

Return on Assets (ROA) 1.98%
Return on Equity (ROE) 15.14%
Net Interest Margin (NIM) 6.78%
Yield on Assets 7.33%
Cost of Funds 0.59%

Asset Quality

NPL Ratio 0.57%
Net Charge-Off Ratio 0.08%
Texas Ratio 3.01%
NPA Ratio 0.41%
ACL / Loans 1.56%

Capital & Liquidity

CET1 Ratio 17.48%
Tier 1 Capital 17.48%
Total Capital Ratio 18.73%
Leverage Ratio 13.62%
Loan-to-Deposit 84.33%

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