The Bank of Commerce and Trust Company
BankRegReports is independent of The Bank of Commerce and Trust Company and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
The Bank of Commerce and Trust Company is an FDIC-insured commercial bank headquartered in Wellington, KS, supervised by the FDIC, with $112.8M in total assets at Q2 2026, up 6.5% from Q2 2025, the 129th largest of 182 banks headquartered in Kansas. It was established in 1906 and holds FDIC certificate 4796. Its CET1 capital ratio was 18.99% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 4796
- Headquarters
- Wellington, KS
- Established
- 1906
- Total assets, Q2 2026
- $112.8M
- Assets vs Q2 2025
- +6.5%
- CET1 ratio, Q2 2026
- 18.99%
- Domestic offices
- 4 · The Bank of Commerce and Trust Company branches FDIC institution directory, current count
- Routing number
- 101101060
- Safety and soundness
- Is The Bank of Commerce and Trust Company safe?
- Latest call report
- Q2 2026, FFIEC 051 · The Bank of Commerce and Trust Company Q3 2026 call report, filed October 21, 2026 (preliminary)
- Holding company
- TRI-COUNTY FINANCIAL CORPORATION
- Asset rank in state
- 129th of 182 in Kansas
The Bank of Commerce and Trust Company, based in Wellington, Kansas, reported $113 million in assets at June 30, 2026, up 6.5% from a year earlier. It holds commercial real estate loans equal to only 18% of its capital, a small fraction of the median of 1.2 times for the 2,627 banks with $100 million to $1 billion in assets. On the other hand, it carries problem assets equal to 15.3% of the capital and reserves that would absorb them, 5.8 times the median of 2.7% for banks its size.
Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 1.17% of loans, down from 1.94% a year earlier. Loans and deposits moved in opposite directions: over the year loans fell 5.2% and deposits rose 5.8%. Where it has less room is capital: it funds 8.84% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.99%).
As of June 30, 2026, The Bank of Commerce and Trust Company reported a CET1 capital ratio of 18.99%, a return on assets of 0.83%, a nonperforming-loan ratio of 1.17% and a Texas ratio of 15.26%. The figures come from its call report filed with the FFIEC.
The Bank of Commerce and Trust Company ranks as the 129th largest of the 182 banks based in Kansas, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 0.1% to $112.8M, loans fell 1.7% and deposits rose 0.2%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 41.9% of total loans, ahead of farmland and other real estate loans at 20.1%. The FDIC Summary of Deposits lists 4 offices for it, in 4 cities in KS; its Wellington office books 56% of its branch deposits. On its Q2 2026 call report, The Bank of Commerce and Trust Company meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 201 W Harvey Ave, Wellington, KS 67152
- County
- Sumner
- Metro Area
- Wichita, KS
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- Trust powers not granted
- Call Report form
- FFIEC 051
- Established
- October 6, 1906
- Former names
- Bank of Commerce and Trust Company (1977)
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 23
- Domestic deposits
- $104.4M
- Allowance for credit losses
- $450K
- Net charge-offs (YTD)
- $30K
- Average total assets
- $113.1M
- Average total loans
- $46.6M
- Average interest-bearing deposits
- $87.8M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 4796
- Fed RSSD
- 431350
- Website
- https://www.bankofcommerce.ws →
- Parent Holding Company
- TRI-COUNTY FINANCIAL CORPORATION (RSSD 4419301)
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
From Q3 2023 to Q2 2026, The Bank of Commerce and Trust Company's total assets ranged from $102.3M (Q3 2023) to $116.0M (Q4 2025), 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
$112.8M total assets against $105.9M; $106.2M total liabilities against $100.5M.
$47.0M net loans and leases against $49.6M; $104.4M total deposits against $98.7M.
$48.6M securities against $41.4M; $12.7M cash and balances due against $9.9M.
$1.3M total interest income against $1.3M; $435K total interest expense against $477K.
$891K net interest income against $835K.
$141K total noninterest income against $115K; $767K total noninterest expense against $638K.
$20K provision for credit losses against $10K.
$236K net income against $290K.
0.83% return on assets against 1.05%; 3.27% net interest margin against 3.20%.
18.99% CET1 capital ratio against 17.42%; 8.84% tier 1 leverage ratio against 8.75%.
Inside the full The Bank of Commerce and Trust Company terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe Bank of Commerce and Trust Company rankings
Its closest position to the top of a national ranking is 302 of 3,640, for Texas Ratio; its furthest is 3,574 of 4,196, for total assets.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.44% (Q3 2025) to 1.05% (Q2 2025) and its net interest margin ran from 2.58% (Q4 2024) to 3.27% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 18.99% | 0.83% | 1.17% | 15.26% | 3.27% |
| Q1 2026 | 18.20% | 0.56% | 1.93% | 16.17% | 3.09% |
| Q4 2025 | 17.75% | 0.54% | 1.98% | 16.68% | 3.16% |
| Q3 2025 | 17.41% | 0.44% | 2.66% | 22.61% | 3.05% |
| Q2 2025 | 17.42% | 1.05% | 1.94% | 20.76% | 3.20% |
| Q1 2025 | 16.70% | 0.67% | 2.23% | 24.12% | 2.98% |
| Q4 2024 | 16.66% | 0.51% | 1.23% | 16.55% | 2.58% |
| Q3 2024 | 16.74% | 0.59% | 0.98% | 11.42% | 2.93% |
Swipe the table sideways to see every column.
Branch Network
View all 4 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 and Trust Company | Wellington , KS | 67152 | $58.6M |
| Harper Branch | Harper , KS | 67058 | $21.2M |
| Anthony Branch | Anthony , KS | 67003 | $20.2M |
| South Haven Branch | South Haven , KS | 67140 | $4.4M |
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 |
|---|---|---|---|
| June 30, 2018 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 30, 2018 | Structure Change | Acquired The Freeport State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in KS, rank 151 of 231 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 41 applications, 37 loans originated, $3.5M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 2 loans, $879K approved, $440K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2009 (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
Add this badge to your website
Free to use. It shows The Bank of Commerce and Trust Company’s latest filed figures and updates each quarter.
Similar banks
Frequently asked about The Bank of Commerce and Trust Company
What are The Bank of Commerce and Trust Company's total assets?
As of the Q2 2026 filing, The Bank of Commerce and Trust Company reported total assets of $112.8 million in its FFIEC call report.
Where is The Bank of Commerce and Trust Company headquartered?
It is headquartered in Wellington, KS, United States.
When was The Bank of Commerce and Trust Company founded?
It was established in 1906, per the FDIC institution directory.
Is The Bank of Commerce and Trust Company FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #4796). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Bank of Commerce and Trust Company?
The Bank of Commerce and Trust Company's primary federal regulator is the FDIC.
What is The Bank of Commerce and Trust Company's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 18.99% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does The Bank of Commerce and Trust Company operate?
It operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Bank of Commerce and Trust Company's Texas Ratio?
Its Texas Ratio is 15.26% 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.
What was The Bank of Commerce and Trust Company previously called?
The charter now named The Bank of Commerce and Trust Company has also operated as Bank of Commerce and Trust Company (1977), per FDIC structure-change records.
Go deeper on The Bank of Commerce and Trust Company.
Get an email when The Bank of Commerce and Trust Company files its next call report, and benchmark it against any peer you choose.
Unlock The Bank of Commerce and Trust Company, freeFree account