Bank of Commerce (Duncan, 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 Duncan, OK, established in 2002 (FDIC certificate 57491), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $334.0M, down 6.3% from Q2 2025, the 75th largest of 169 banks headquartered in Oklahoma. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.54% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 57491
- Headquarters
- Duncan, OK
- Established
- 2002
- Total assets, Q2 2026
- $334.0M
- Assets vs Q2 2025
- -6.3%
- Tier 1 leverage ratio, Q2 2026
- 10.54%
- Domestic offices
- 6 FDIC institution directory, current count
- Routing number
- 103112992
- Latest call report
- Q2 2026, FFIEC 051 · Bank of Commerce call report
- Holding company
- COMMERCE FINANCIAL COMPANY
- Asset rank in state
- 75th of 169 in Oklahoma
Bank of Commerce spends more to run itself than most banks of its size. Its balance sheet stood at $334 million at June 30, 2026, down 6.3% from a year earlier; it is based in Duncan, Oklahoma. It earns about $0.35 a year on every $100 of assets, a small fraction of the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also spends about 85 cents to bring in each dollar of revenue, higher than about 9 in 10 banks its size (median 61 cents).
Earnings fell sharply: quarterly net income of $291,000 was 66% below a year earlier. Over the same year, loans shrank 14.9% and deposits shrank 3.8%. Credit is the area to watch: it carries problem assets equal to 17.9% of the capital and reserves that would absorb them, 6.8 times the median of 2.6% for banks its size.
As of June 30, 2026, Bank of Commerce reported a return on assets of 0.35%, a nonperforming-loan ratio of 2.27% and a Texas ratio of 17.93%. The figures come from its call report filed with the FFIEC.
Bank of Commerce ranks as the 75th largest of the 169 banks based in Oklahoma, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 2.0% to $334.0M, loans fell 1.3% and deposits fell 1.9%. Non-owner-occupied commercial real estate loans made up 33.6% of its total loans on June 30, 2026, its largest category; next came commercial and industrial loans at 18.7%. Its 6 offices in the FDIC Summary of Deposits are in 5 cities in OK; its Duncan office books 59% of its branch deposits. By the capital ratios in its Q2 2026 call report, Bank of Commerce meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 1601 Commerce St, Duncan, OK 73533
- County
- Stephens
- Metro Area
- Duncan, OK
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- December 16, 2002
- Domestic offices
- 6 FDIC institution directory, current count
- Employees (FTE)
- 76
- Domestic deposits
- $294.0M
- Allowance for credit losses
- $2.7M
- Net charge-offs (YTD)
- $231K
- Average total assets
- $335.1M
- Average total loans
- $219.9M
- Average interest-bearing deposits
- $256.6M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- December 16, 2002
- FDIC Cert
- 57491
- Fed RSSD
- 3134698
- Website
- www.bocokonline.com →
- Parent Holding Company
- COMMERCE FINANCIAL COMPANY (RSSD 5872396)
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, Bank of Commerce reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Bank of Commerce's total assets ran between $332.8M (Q4 2023) and $382.1M (Q3 2024), and it earned a profit in 10 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$334.0M total assets against $356.4M; $299.7M total liabilities against $322.5M.
$222.6M net loans and leases against $261.8M; $294.0M total deposits against $305.7M.
$28.5M securities against $21.0M; $52.7M cash and balances due against $44.3M.
$4.9M total interest income against $5.6M; $2.0M total interest expense against $2.9M.
$2.9M net interest income against $2.7M.
$1.1M total noninterest income against $5.2M; $3.4M total noninterest expense against $6.6M.
$139K provision for credit losses against $150K.
$291K net income against $865K.
0.35% return on assets against 0.99%; 3.72% net interest margin against 3.24%.
10.54% tier 1 leverage ratio against 10.05%.
Inside the full Bank of Commerce terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Bank of Commerce rankings
Its closest position to the top of a national ranking is 221 of 3,640, for Texas Ratio; its furthest is 3,381 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -0.09% (Q4 2025) to 1.16% (Q3 2025) and its net interest margin ran from 3.18% (Q3 2024) to 5.03% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.54% | 0.35% | 2.27% | 17.93% | 3.72% |
| Q1 2026 | 10.22% | 0.10% | 1.71% | 14.26% | 3.40% |
| Q4 2025 | 10.05% | -0.09% | 1.72% | 15.17% | 5.03% |
| Q3 2025 | 10.25% | 1.16% | 2.76% | 22.72% | 3.65% |
| Q2 2025 | 10.05% | 0.99% | 2.56% | 22.59% | 3.24% |
| Q1 2025 | 9.71% | 0.13% | 2.94% | 26.28% | 3.30% |
| Q4 2024 | 9.16% | 0.19% | 2.50% | 23.93% | 3.61% |
| Q3 2024 | 9.75% | 0.86% | 1.16% | 11.97% | 3.18% |
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 |
|---|---|---|---|
| Bank of Commerce (main office) | Duncan , OK | 73533 | $174.4M |
| Anadarko Main Branch | Anadarko , OK | 73005 | $54.8M |
| Chickasha Branch | Chickasha , OK | 73018 | $29.6M |
| Carnegie Branch | Carnegie , OK | 73015 | $25.4M |
| Anadarko South Branch | Anadarko , OK | 73005 | $6.7M |
| Lawton Branch | Lawton , OK | 73505 | $3.1M |
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 |
|---|---|---|---|
| August 1, 2015 | Structure Change | Acquired Anadarko Bank and Trust Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 31, 2015 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in OK, rank 79 of 192 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 64 applications, 20 loans originated, $3.1M originated, across 3 states
- Period: Calendar year 2019. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 2 loans, $3.5M approved, $1.8M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (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 $334.0 million in its FFIEC call report.
Where is Bank of Commerce headquartered?
It is headquartered in Duncan, OK, United States.
When was Bank of Commerce founded?
It was established in 2002, per the FDIC institution directory.
Is Bank of Commerce FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #57491). 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 FDIC.
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 17.93% 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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