Bank of Commerce: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Bank of Commerce of Chelsea, OK against its peer group of 2603 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.80% | 1.34% | +0.46% | 78th top |
| ROAE | 15.18% | 13.32% | +1.86% | 67th above |
| Net Interest Margin | 5.93% | 3.93% | +2.00% | 99th top |
| Efficiency Ratio | 63.62% | 61.13% | +2.49% | 43rd below |
| PPNR / Avg Assets | 2.26% | 1.68% | +0.58% | 82nd top |
| Yield on Earning Assets | 6.65% | 5.67% | +0.98% | 90th top |
| Cost of Funds | 0.79% | 1.88% | -1.09% | 95th top |
| Net Interest Spread | 5.34% | 3.32% | +2.02% | 98th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.62% | 0.94% | -0.32% | 40th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.41% | 0.70% | -0.29% | 43rd below |
| NCO / Avg Loans | -0.01% | 0.16% | -0.17% | 87th top |
| ACL / Total Loans | 1.49% | 1.28% | +0.21% | 78th top |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 241.29% | 1546.40% | -1305.11% | 53rd above |
| Texas Ratio Ahead of the peer average, behind the median peer. | 3.86% | 7.34% | -3.48% | 47th below |
| Provision / NCO | 0.00% | 1395.28% | -1395.28% | 13th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 18.05% | 19.48% | -1.43% | 69th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 18.05% | 19.52% | -1.47% | 69th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 19.30% | 20.61% | -1.31% | 70th above |
| Leverage Ratio | 12.78% | 12.14% | +0.64% | 73rd above |
| Equity / Assets | 12.42% | 11.36% | +1.06% | 74th above |
| TCE / Tangible Assets | 12.42% | 11.08% | +1.34% | 76th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 77.66% | 80.66% | -3.00% | 56th above |
| Core Deposit Ratio | 93.49% | 86.85% | +6.64% | 76th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 10.18% | 6.84% | +3.34% | 83rd top |
| Loan Growth (Y/Y) | 9.17% | 7.92% | +1.25% | 71st above |
| Deposit Growth (Y/Y) | 10.62% | 6.29% | +4.33% | 85th top |
See Bank of Commerce's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Bank of Commerce, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Bank of Commerce profile, how to read a UBPR, or how this data updates.