Bank of Commerce: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 46.18 percentage points lower than in Q1 2026, at 241.29%. Bank of Commerce ranks 57th of 169 Oklahoma banks on return on assets, in the upper half at 1.80% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Bank of Commerce sits 0.55 points higher, at 1.80% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 18.05% |
| Tier 1 risk-based capital ratio | 18.05% |
| Total risk-based capital ratio | 19.30% |
| Tier 1 leverage ratio | 12.78% |
| Equity capital to assets | 12.42% |
| Tangible equity to tangible assets | 12.42% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.62% |
| Non-performing assets ratio | 0.41% |
| Net charge-off ratio | -0.01% |
| Texas ratio | 3.86% |
| Allowance for credit losses to loans | 1.49% |
| Reserve coverage of non-performing loans | 241.29% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.80% |
| Return on equity | 15.18% |
| Net interest margin | 5.93% |
| Efficiency ratio | 63.62% |
| Yield on earning assets | 6.65% |
| Cost of funds | 0.79% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 77.66% |
| Core deposits to total deposits | 93.49% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 85.87% |
| Securities to assets | 13.50% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 16.53% | 16.53% | 17.79% | 11.54% | 2.08% |
| Q4 2023 | 15.90% | 15.90% | 17.15% | 11.37% | 1.80% |
| Q1 2024 | 17.44% | 17.44% | 18.70% | 11.08% | 1.92% |
| Q2 2024 | 18.21% | 18.21% | 19.47% | 11.23% | 1.88% |
| Q3 2024 | 19.07% | 19.07% | 20.32% | 12.38% | 1.91% |
| Q4 2024 | 17.61% | 17.61% | 18.87% | 11.97% | 1.66% |
| Q1 2025 | 18.06% | 18.06% | 19.31% | 12.67% | 2.05% |
| Q2 2025 | 18.33% | 18.33% | 19.58% | 13.14% | 2.21% |
| Q3 2025 | 19.53% | 19.53% | 20.78% | 14.32% | 2.17% |
| Q4 2025 | 17.48% | 17.48% | 18.73% | 13.62% | 1.98% |
| Q1 2026 | 17.43% | 17.43% | 18.68% | 12.92% | 1.76% |
| Q2 2026 | 18.05% | 18.05% | 19.30% | 12.78% | 1.80% |
Bank of Commerce vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Commerce, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Bank of Commerce profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13274) · FFIEC NIC profile (RSSD 152057)