BanksBANK OF COMMERCE AND TRUST COMPANY, THE

BANK OF COMMERCE AND TRUST COMPANY, THE

WELLINGTON, KSSmallEst. Oct. 6, 1906, midnightFDIC #4796RSSD #431350FDIC
Latest · 2025-12-31

BANK OF COMMERCE AND TRUST COMPANY, THE is an FDIC-insured commercial bank headquartered in WELLINGTON, KS, established in Oct. 6, 1906, midnight. As of 2025-12-31, the bank reported total assets of $116M and total deposits of $107M. Profitability stands at 0.53% ROA and 8.96% ROE, with a net interest margin of 3.19%. CET1 capital ratio: 17.75%, well above regulatory minimums. NPL ratio: 1.82% · Texas Ratio: 15.11%. Operates 5 domestic branches.

Assets
$116M
Deposits
$107M
Loans
$50M
Equity
$7M

Profitability

Return on Assets (ROA)0.53%
Return on Equity (ROE)8.96%
Net Interest Margin3.19%
Yield on Assets5.02%
Cost of Funds1.81%

Asset Quality

NPL Ratio1.82%
Net Charge-Off Ratio0.00%
Texas Ratio15.11%
NPA Ratio0.94%
ACL / Loans0.89%

Capital & Liquidity

CET1 Ratio17.75%
Tier 1 Capital17.75%
Total Capital Ratio18.56%
Leverage Ratio8.83%
Loan-to-Deposit46.24%

This is just the summary.

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