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: 32.10 percentage points lower than in Q1 2026, at 181.39%. Bank of Commerce ranks 36th of 57 Mississippi banks on return on assets, in the lower half at 1.09% (Q2 2026). The median for banks in the $1B-10B asset tier is 1.28% on return on assets. Bank of Commerce sits 0.18 points lower, at 1.09% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 12.85% |
| Equity capital to assets | 11.56% |
| Tangible equity to tangible assets | 9.80% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.43% |
| Non-performing assets ratio | 0.30% |
| Net charge-off ratio | 0.21% |
| Texas ratio | 5.76% |
| Allowance for credit losses to loans | 0.78% |
| Reserve coverage of non-performing loans | 181.39% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.09% |
| Return on equity | 9.73% |
| Net interest margin | 3.38% |
| Efficiency ratio | 57.45% |
| Yield on earning assets | 5.23% |
| Cost of funds | 2.10% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 65.73% |
| Core deposits to total deposits | 84.44% |
| Brokered deposits to total deposits | 0.63% |
| Deposits to assets | 87.81% |
| Securities to assets | 21.38% |
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 | 13.46% | 1.84% | 2.90% | 0.15% | 0.42% |
| Q4 2023 | 15.02% | 0.31% | 4.02% | 0.24% | 0.20% |
| Q1 2024 | 12.93% | 1.01% | 2.80% | 0.11% | 0.26% |
| Q2 2024 | 12.95% | 1.31% | 2.84% | 0.14% | 0.15% |
| Q3 2024 | 13.46% | 0.99% | 2.80% | 0.14% | 0.18% |
| Q4 2024 | 13.59% | 0.46% | 2.83% | 0.24% | 0.12% |
| Q1 2025 | 13.13% | 1.63% | 2.84% | 0.07% | 0.16% |
| Q2 2025 | 13.49% | 0.95% | 3.15% | 0.38% | 0.21% |
| Q3 2025 | 13.48% | 0.99% | 3.08% | 0.18% | 0.34% |
| Q4 2025 | 12.83% | 0.48% | 3.32% | 0.24% | 0.14% |
| Q1 2026 | 12.61% | 1.16% | 3.20% | 0.39% | 0.07% |
| Q2 2026 | 12.85% | 1.09% | 3.38% | 0.43% | 0.21% |
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 9359) · FFIEC NIC profile (RSSD 99442)