Bank of Commerce (Chelsea, OK)
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Data as of · sourced from FFIEC call reports. How we update
Bank of Commerce is an FDIC-insured commercial bank headquartered in Chelsea, OK, established in 1896 (FDIC certificate 13274), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $203.2M, up 10.2% from Q2 2025, the 97th largest of 169 banks headquartered in Oklahoma. Its CET1 capital ratio was 18.05% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 13274
- Headquarters
- Chelsea, OK
- Established
- 1896
- Total assets, Q2 2026
- $203.2M
- Assets vs Q2 2025
- +10.2%
- CET1 ratio, Q2 2026
- 18.05%
- Domestic offices
- 6 FDIC institution directory, current count
- Routing number
- 103102481
- Latest call report
- Q2 2026, FFIEC 051 · Bank of Commerce call report
- Holding company
- COMMERCE BANCSHARES, INC.
- Asset rank in state
- 97th of 169 in Oklahoma
Bank of Commerce earns an unusually wide margin on its lending. Its balance sheet stood at $203 million at June 30, 2026, up 10.2% from a year earlier; it is based in Chelsea, Oklahoma. It keeps 5.93 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 3.95 cents). It also pays an average of 0.79% on its deposits and borrowings, about half the median of 1.80% for banks its size.
Net income for the quarter slipped 10% from a year earlier, to $940,000. Problem loans, meaning loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.78% of loans from 0.60% a year earlier.
As of June 30, 2026, Bank of Commerce reported a CET1 capital ratio of 18.05%, a return on assets of 1.80%, a nonperforming-loan ratio of 0.78% and a Texas ratio of 3.86%. The figures come from its call report filed with the FFIEC.
Of the 169 banks headquartered in Oklahoma, Bank of Commerce is the 97th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 1.1% to $203.2M, loans rose 3.1% and deposits fell 1.4%. Owner-occupied commercial real estate loans made up 26.1% of its total loans on June 30, 2026, its largest category; next came 1-4 family residential loans at 22.7%. Its 6 offices in the FDIC Summary of Deposits are in 6 cities in OK; its Catoosa office books 41% of its branch deposits. By the capital ratios in its Q2 2026 call report, Bank of Commerce meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 322 W 6th St, Chelsea, OK 74016
- County
- Rogers
- Metro Area
- Tulsa, OK
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- March 23, 1896
- Domestic offices
- 6 FDIC institution directory, current count
- Employees (FTE)
- 61
- Domestic deposits
- $174.5M
- Allowance for credit losses
- $2.0M
- Net charge-offs (YTD)
- $66K
- Average total assets
- $209.1M
- Average total loans
- $135.0M
- Average interest-bearing deposits
- $111.3M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 13274
- Fed RSSD
- 152057
- Website
- www.bankboc.com →
- Parent Holding Company
- COMMERCE BANCSHARES, INC. (RSSD 2480491)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Bank of Commerce's total assets ran between $179.9M (Q3 2025) and $205.5M (Q1 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$203.2M total assets against $184.4M; $177.9M total liabilities against $161.3M.
$133.5M net loans and leases against $122.1M; $174.5M total deposits against $157.7M.
$27.4M securities against $30.3M; $33.1M cash and balances due against $22.9M.
$3.2M total interest income against $3.1M; $355K total interest expense against $268K.
$2.9M net interest income against $2.8M.
$399K total noninterest income against $392K; $2.1M total noninterest expense against $1.9M.
$0 provision for credit losses against $0.
$940K net income against $1.1M.
1.80% return on assets against 2.21%; 5.93% net interest margin against 6.49%.
18.05% CET1 capital ratio against 18.33%; 12.78% tier 1 leverage ratio against 13.14%.
Inside the full Bank of Commerce terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeBank of Commerce rankings
Its closest position to the top of a national ranking is 754 of 3,611, for ROA; its furthest is 2,940 of 4,196, for total assets.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.66% (Q4 2024) to 2.21% (Q2 2025) and its net interest margin ran from 5.55% (Q3 2024) to 6.61% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 18.05% | 1.80% | 0.78% | 3.86% | 5.93% |
| Q1 2026 | 17.43% | 1.76% | 0.83% | 4.13% | 5.96% |
| Q4 2025 | 17.48% | 1.98% | 0.57% | 3.01% | 6.61% |
| Q3 2025 | 19.53% | 2.17% | 0.63% | 2.94% | 6.55% |
| Q2 2025 | 18.33% | 2.21% | 0.60% | 2.98% | 6.49% |
| Q1 2025 | 18.06% | 2.05% | 0.89% | 4.59% | 5.86% |
| Q4 2024 | 17.61% | 1.66% | 0.79% | 4.25% | 5.78% |
| Q3 2024 | 19.07% | 1.91% | 0.69% | 3.40% | 5.55% |
Swipe the table sideways to see every column.
Branch Network
View all 6 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Catoosa Branch | Catoosa , OK | 74015 | $71.0M |
| Bank of Commerce (main office) | Chelsea , OK | 74016 | $32.2M |
| Adair Branch | Adair , OK | 74330 | $26.7M |
| Pryor Branch | Pryor , OK | 74361 | $22.0M |
| Sequoyah Branch | Claremore , OK | 74017 | $17.1M |
| Tulsa Branch | Tulsa , OK | 74137 | $5.5M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| July 1, 2002 | Structure Change | Acquired Data Fac Computer Company, Inc. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 16, 2000 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 16, 2000 | Structure Change | Acquired Bank of Commerce Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 3 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in OK, rank 112 of 192 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 77 applications, 42 loans originated, $5.2M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $90K approved, $90K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2006 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Bank of Commerce
What are Bank of Commerce's total assets?
As of the Q2 2026 filing, Bank of Commerce reported total assets of $203.2 million in its FFIEC call report.
Where is Bank of Commerce headquartered?
It is headquartered in Chelsea, OK, United States.
When was Bank of Commerce founded?
It was established in 1896, per the FDIC institution directory.
Is Bank of Commerce FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #13274). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Bank of Commerce?
Bank of Commerce's primary federal regulator is the Federal Reserve.
What is Bank of Commerce's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 18.05% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Bank of Commerce operate?
It operates 6 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Bank of Commerce's Texas Ratio?
Its Texas Ratio is 3.86% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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