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: 13.32 percentage points lower than in Q1 2026, at 57.82%. Bank of Commerce ranks 152nd of 169 Oklahoma banks on return on assets, in the lower half at 0.35% (Q2 2026). Against a median of 1.25% for banks in the $100M-1B asset tier, Bank of Commerce reported 0.35% on return on assets in Q2 2026, 0.90 points lower.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 10.54% |
| Equity capital to assets | 10.27% |
| Tangible equity to tangible assets | 9.67% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 2.07% |
| Non-performing assets ratio | 1.73% |
| Net charge-off ratio | 0.41% |
| Texas ratio | 17.93% |
| Allowance for credit losses to loans | 1.20% |
| Reserve coverage of non-performing loans | 57.82% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.35% |
| Return on equity | 3.38% |
| Net interest margin | 3.72% |
| Efficiency ratio | 85.40% |
| Yield on earning assets | 6.27% |
| Cost of funds | 2.67% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 76.64% |
| Core deposits to total deposits | 82.01% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 88.03% |
| Securities to assets | 8.53% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 11.28% | -0.37% | 3.54% | 2.20% | -0.41% |
| Q4 2023 | 9.70% | 1.73% | 3.86% | 1.44% | -1.23% |
| Q1 2024 | 9.33% | 0.62% | 3.17% | 1.21% | -0.00% |
| Q2 2024 | 9.66% | 1.90% | 3.29% | 1.16% | 0.04% |
| Q3 2024 | 9.75% | 0.86% | 3.18% | 1.11% | 0.02% |
| Q4 2024 | 9.16% | 0.19% | 3.61% | 0.96% | 0.04% |
| Q1 2025 | 9.71% | 0.13% | 3.30% | 2.58% | -0.06% |
| Q2 2025 | 10.05% | 0.99% | 3.24% | 2.53% | 0.18% |
| Q3 2025 | 10.25% | 1.16% | 3.65% | 2.51% | 0.29% |
| Q4 2025 | 10.05% | -0.09% | 5.03% | 1.40% | 4.05% |
| Q1 2026 | 10.22% | 0.10% | 3.40% | 1.71% | 0.01% |
| Q2 2026 | 10.54% | 0.35% | 3.72% | 2.07% | 0.41% |
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 57491) · FFIEC NIC profile (RSSD 3134698)