Bank of Commerce (Rawlins, WY)
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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 Rawlins, WY, established in 1978 (FDIC certificate 22639), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $216.3M, up 9.4% from Q2 2025, the 17th largest of 24 banks headquartered in Wyoming. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.28% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 22639
- Headquarters
- Rawlins, WY
- Established
- 1978
- Total assets, Q2 2026
- $216.3M
- Assets vs Q2 2025
- +9.4%
- Tier 1 leverage ratio, Q2 2026
- 11.28%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 102303171
- Latest call report
- Q2 2026, FFIEC 051 · Bank of Commerce call report
- Holding company
- RAWLINS BANKSHARES, INC.
- Asset rank in state
- 17th of 24 in Wyoming
Bank of Commerce, based in Rawlins, Wyoming, reported $216 million in assets at June 30, 2026, up 9.4% from a year earlier. It carries problem assets equal to 0.1% of the capital and reserves that would absorb them, a small fraction of the median of 2.6% for the 2,660 banks with $100 million to $1 billion in assets. It also pays an average of 1.35% on its deposits and borrowings, lower than about three-quarters of banks its size (median 1.80%).
Net income for the quarter rose 21% from a year earlier, to $827,000. Unrealized losses on its securities total $4.0 million, equal to 16% of Tier 1 capital, against 3% a year earlier.
As of June 30, 2026, Bank of Commerce reported a return on assets of 1.49%, a nonperforming-loan ratio of 0.02% and a Texas ratio of 0.10%. The figures come from its call report filed with the FFIEC.
Of the 24 banks headquartered in Wyoming, Bank of Commerce is the 17th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 1.1% to $216.3M, loans rose 2.6% and deposits fell 0.9%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 28.3% of total loans, ahead of commercial and industrial loans at 14.7%. Its 2 offices in the FDIC Summary of Deposits are in Rawlins, WY and Saratoga, WY; its Rawlins office books 96% of its branch deposits. On its Q2 2026 call report, Bank of Commerce meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 221 3rd St, Rawlins, WY 82301
- County
- Carbon
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- San Francisco (Region 14)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- April 20, 1978
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 31
- Domestic deposits
- $189.3M
- Allowance for credit losses
- $1.8M
- Net charge-offs (YTD)
- $2K
- Average total assets
- $221.3M
- Average total loans
- $113.8M
- Average interest-bearing deposits
- $147.8M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- April 20, 1978
- FDIC Cert
- 22639
- Fed RSSD
- 547550
- Website
- WWW.BOCRAWLINS.COM →
- Parent Holding Company
- RAWLINS BANKSHARES, INC. (RSSD 1067701)
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 $192.3M (Q2 2024) and $216.3M (Q2 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
$216.3M total assets against $197.7M; $194.5M total liabilities against $179.0M.
$113.7M net loans and leases against $106.0M; $189.3M total deposits against $175.1M.
$88.3M securities against $75.4M; $4.8M cash and balances due against $6.9M.
$2.8M total interest income against $2.5M; $664K total interest expense against $592K.
$2.2M net interest income against $1.9M.
$186K total noninterest income against $187K; $1.3M total noninterest expense against $1.3M.
$0 provision for credit losses against $0.
$827K net income against $682K.
1.49% return on assets against 1.33%; 4.21% net interest margin against 4.16%.
11.28% tier 1 leverage ratio against 11.34%.
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 1,323 of 3,611, for ROA; its furthest is 3,240 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.12% (Q3 2024) to 1.49% (Q2 2026) and its net interest margin ran from 3.89% (Q3 2024) to 4.34% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.28% | 1.49% | 0.02% | 0.10% | 4.21% |
| Q1 2026 | 11.22% | 1.26% | 0.02% | 0.10% | 4.00% |
| Q4 2025 | 11.00% | 1.26% | 0.02% | 0.11% | 4.34% |
| Q3 2025 | 11.64% | 1.41% | 0.00% | 0.02% | 4.24% |
| Q2 2025 | 11.34% | 1.33% | 0.00% | 0.02% | 4.16% |
| Q1 2025 | 11.20% | 1.21% | 0.01% | 0.03% | 4.05% |
| Q4 2024 | 10.71% | 1.37% | 0.01% | 0.04% | 3.93% |
| Q3 2024 | 11.18% | 1.12% | 0.00% | 0.00% | 3.89% |
Swipe the table sideways to see every column.
Branch Network
View all 2 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) | Rawlins , WY | 82301 | $181.2M |
| Saratoga Branch | Saratoga , WY | 82331 | $8.1M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.9% of deposits in WY, rank 32 of 44 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $24K approved, $24K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2012 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), 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 $216.3 million in its FFIEC call report.
Where is Bank of Commerce headquartered?
It is headquartered in Rawlins, WY, United States.
When was Bank of Commerce founded?
It was established in 1978, per the FDIC institution directory.
Is Bank of Commerce FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #22639). 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.
How many branches does Bank of Commerce operate?
It operates 2 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 0.10% 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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