Bank of Commerce (Chanute, KS)
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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 Chanute, KS, established in 1985 (FDIC certificate 26217), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $497.5M, up 6.0% from Q2 2025, the 44th largest of 182 banks headquartered in Kansas. Its CET1 capital ratio was 13.73% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 26217
- Headquarters
- Chanute, KS
- Established
- 1985
- Total assets, Q2 2026
- $497.5M
- Assets vs Q2 2025
- +6.0%
- CET1 ratio, Q2 2026
- 13.73%
- Domestic offices
- 15 FDIC institution directory, current count
- Routing number
- 101100692
- Latest call report
- Q2 2026, FFIEC 051 · Bank of Commerce call report
- Holding company
- SOUTHEAST BANCSHARES, INC.
- Asset rank in state
- 44th of 182 in Kansas
Bank of Commerce operates with a thinner capital cushion than most banks of its size. Based in Chanute, Kansas, it had $497 million in assets at June 30, 2026, up 6.0% from a year earlier. It funds 9.19% of its assets with Tier 1 capital, lower than about three-quarters of the 2,660 banks with $100 million to $1 billion in assets (median 10.99%). On the other hand, it carries problem assets equal to 0.3% of the capital and reserves that would absorb them, a small fraction of the median of 2.6% for banks its size.
Earnings jumped: net income for the quarter was $2.0 million, 33% above the same quarter a year earlier.
As of June 30, 2026, Bank of Commerce reported a CET1 capital ratio of 13.73%, a return on assets of 1.57%, a nonperforming-loan ratio of 0.05% and a Texas ratio of 0.34%. The figures come from its call report filed with the FFIEC.
Of the 182 banks headquartered in Kansas, Bank of Commerce is the 44th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 0.6% to $497.5M, loans rose 1.7% and deposits fell 0.6%. Its loan book on June 30, 2026 was led by farmland and other real estate loans, at 29.0% of total loans, followed by 1-4 family residential loans at 25.3%. The FDIC Summary of Deposits lists 15 offices for it, in 13 cities in KS; its Chanute 3 offices book 38% of its branch deposits. Judged on its Q2 2026 call report, Bank of Commerce meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 101 W Main St, Chanute, KS 66720
- County
- Neosho
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- May 2, 1985
- Domestic offices
- 15 FDIC institution directory, current count
- Employees (FTE)
- 101
- Domestic deposits
- $439.3M
- Allowance for credit losses
- $3.9M
- Net charge-offs (YTD)
- -$3K
- Average total assets
- $502.4M
- Average total loans
- $332.6M
- Average interest-bearing deposits
- $338.0M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- May 2, 1985
- FDIC Cert
- 26217
- Fed RSSD
- 862057
- Website
- www.boc-ks.com →
- Parent Holding Company
- SOUTHEAST BANCSHARES, INC. (RSSD 2124795)
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
Bank of Commerce's total assets moved between a low of $441.9M (Q3 2023) and a high of $500.7M (Q1 2026) from Q3 2023 to 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
$497.5M total assets against $469.5M; $449.6M total liabilities against $424.6M.
$330.3M net loans and leases against $312.7M; $439.3M total deposits against $416.6M.
$119.0M securities against $105.7M; $24.7M cash and balances due against $24.9M.
$6.2M total interest income against $5.8M; $1.9M total interest expense against $1.9M.
$4.3M net interest income against $3.9M.
$673K total noninterest income against $553K; $3.0M total noninterest expense against $2.9M.
$0 provision for credit losses against $31K.
$2.0M net income against $1.5M.
1.57% return on assets against 1.24%; 3.74% net interest margin against 3.62%.
13.73% CET1 capital ratio against 13.46%; 9.19% tier 1 leverage ratio against 9.15%.
Inside the full Bank of Commerce terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
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Its closest position to the top of a national ranking is 1,165 of 3,611, for ROA; its furthest is 3,060 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.10% (Q4 2025) to 1.57% (Q2 2026) and its net interest margin ran from 3.54% (Q3 2024) to 3.76% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.73% | 1.57% | 0.05% | 0.34% | 3.74% |
| Q1 2026 | 13.54% | 1.31% | 0.01% | 0.08% | 3.76% |
| Q4 2025 | 13.47% | 1.10% | 0.00% | 0.00% | 3.76% |
| Q3 2025 | 13.76% | 1.32% | 0.00% | 0.01% | 3.68% |
| Q2 2025 | 13.46% | 1.24% | 0.05% | 0.33% | 3.62% |
| Q1 2025 | 13.36% | 1.30% | 0.05% | 0.31% | 3.61% |
| Q4 2024 | 13.48% | 1.15% | 0.05% | 0.30% | 3.56% |
| Q3 2024 | 13.40% | 1.12% | 0.06% | 0.39% | 3.54% |
Swipe the table sideways to see every column.
Branch Network
View all 15 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) | Chanute , KS | 66720 | $168.9M |
| Neodesha Branch | Neodesha , KS | 66757 | $69.5M |
| Chetopa Branch | Chetopa , KS | 67336 | $39.0M |
| Erie Branch | Erie , KS | 66733 | $38.1M |
| Parsons Branch | Parsons , KS | 67357 | $30.4M |
| Gas Branch | Gas , KS | 66742 | $16.8M |
| Burden Branch | Burden , KS | 67019 | $14.2M |
| Howard Branch | Howard , KS | 67349 | $14.0M |
| Thayer Branch | Thayer , KS | 66776 | $12.5M |
| Fall River Branch | Fall River , KS | 67047 | $10.6M |
| Longton Branch | Longton , KS | 67352 | $8.6M |
| Yates Center Branch | Yates Center , KS | 66783 | $8.3M |
| Oxford Branch | Oxford , KS | 67119 | $8.3M |
| Drive-In Branch | Chanute , KS | 66720 | $0 |
| Detached Facility | Chanute , KS | 66720 | $0 |
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 |
|---|---|---|---|
| September 1, 2023 | Structure Change | Acquired The Piqua State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 1, 2023 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 1, 2023 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 1, 2023 | Structure Change | Acquired Emerald Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 1, 2020 | Structure Change | Acquired Chetopa State Bank & Trust Co. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 1, 2020 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 13, 2010 | Structure Change | Acquired Home State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 26, 2010 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 26, 2010 | Structure Change | Acquired First State Bank of Thayer Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 3, 1985 | Structure Change | Acquired Bank of Commerce Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| May 2, 1985 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 11 events, scroll the table for the full history.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.4% of deposits in KS, rank 57 of 231 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 162 applications, 134 loans originated, $23.0M originated, across 6 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $400K approved, $400K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2015 (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 $497.5 million in its FFIEC call report.
Where is Bank of Commerce headquartered?
It is headquartered in Chanute, KS, United States.
When was Bank of Commerce founded?
It was established in 1985, per the FDIC institution directory.
Is Bank of Commerce FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #26217). 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.
What is Bank of Commerce's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 13.73% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Bank of Commerce operate?
It operates 15 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 0.34% 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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