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: 313.59 percentage points higher than in Q1 2026, at 7726.09%. Bank of Commerce ranks 11th of 24 Wyoming banks on return on assets, in the upper half at 1.49% (Q2 2026). Bank of Commerce reported 1.49% on return on assets for Q2 2026, 0.24 points above the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 11.28% |
| Equity capital to assets | 10.07% |
| Tangible equity to tangible assets | 10.07% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.02% |
| Non-performing assets ratio | 0.01% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.10% |
| Allowance for credit losses to loans | 1.54% |
| Reserve coverage of non-performing loans | 7726.09% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.49% |
| Return on equity | 15.26% |
| Net interest margin | 4.21% |
| Efficiency ratio | 55.85% |
| Yield on earning assets | 5.48% |
| Cost of funds | 1.35% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 60.99% |
| Core deposits to total deposits | 87.06% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 87.52% |
| Securities to assets | 40.85% |
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 | 10.63% | 1.01% | 3.61% | 0.00% | 0.00% |
| Q4 2023 | 10.00% | 1.10% | 3.71% | 0.00% | 0.00% |
| Q1 2024 | 10.68% | 0.83% | 3.46% | 0.00% | 0.04% |
| Q2 2024 | 10.86% | 1.09% | 3.78% | 0.00% | 0.01% |
| Q3 2024 | 11.18% | 1.12% | 3.89% | 0.00% | 0.00% |
| Q4 2024 | 10.71% | 1.37% | 3.93% | 0.01% | 0.00% |
| Q1 2025 | 11.20% | 1.21% | 4.05% | 0.01% | 0.02% |
| Q2 2025 | 11.34% | 1.33% | 4.16% | 0.00% | 0.00% |
| Q3 2025 | 11.64% | 1.41% | 4.24% | 0.00% | 0.01% |
| Q4 2025 | 11.00% | 1.26% | 4.34% | 0.02% | 0.00% |
| Q1 2026 | 11.22% | 1.26% | 4.00% | 0.02% | 0.00% |
| Q2 2026 | 11.28% | 1.49% | 4.21% | 0.02% | 0.00% |
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 22639) · FFIEC NIC profile (RSSD 547550)