The Bank of Commerce (White Castle, LA)
BankRegReports is independent of The Bank of Commerce and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
The Bank of Commerce is an FDIC-insured commercial bank headquartered in White Castle, LA, established in 1927 (FDIC certificate 1374), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $81.5M, up 12.7% from Q2 2025, the 96th largest of 102 banks headquartered in Louisiana. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.63% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 1374
- Headquarters
- White Castle, LA
- Established
- 1927
- Total assets, Q2 2026
- $81.5M
- Assets vs Q2 2025
- +12.7%
- Tier 1 leverage ratio, Q2 2026
- 10.63%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 065404159
- Latest call report
- Q2 2026, FFIEC 051 · The Bank of Commerce call report
- Holding company
- COMMERCE BANCSHARES, INC.
- Asset rank in state
- 96th of 102 in Louisiana
The Bank of Commerce, based in White Castle, Louisiana, reported $81 million in assets at June 30, 2026, up 12.7% from a year earlier. It shrank its loan book 9.5% over the year, lower than about 9 in 10 of the 583 banks with less than $100 million in assets (median 2.6%). It also holds commercial real estate loans worth 1.2 times its capital, 4.6 times the median of 26% for banks its size.
Net income for the quarter slipped 11% from a year earlier, to $166,000. Over the same year, loans shrank 9.5% and deposits grew 13.8%. Where it has less room is capital: it funds 10.63% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 13.06%).
As of June 30, 2026, The Bank of Commerce reported a return on assets of 0.78%, a nonperforming-loan ratio of 0.07% and a Texas ratio of 0.30%. The figures come from its call report filed with the FFIEC.
Of the 102 banks headquartered in Louisiana, The Bank of Commerce is the 96th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 7.8% to $81.5M, loans rose 5.5% and deposits fell 8.7%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 19.8% of total loans, ahead of commercial and industrial loans at 17.9%. Its one office in the FDIC Summary of Deposits is in White Castle, LA. Judged on its Q2 2026 call report, The Bank of Commerce meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 32460 Bowie St, White Castle, LA 70788
- County
- Iberville
- Metro Area
- Baton Rouge, LA
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- March 1, 1927
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 15
- Domestic deposits
- $73.0M
- Allowance for credit losses
- $418K
- Net charge-offs (YTD)
- $0
- Average total assets
- $84.7M
- Average total loans
- $36.7M
- Average interest-bearing deposits
- $56.3M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 1374
- Fed RSSD
- 103134
- Website
- http://WWW.BKOFCOMMERCE.COM →
- Parent Holding Company
- COMMERCE BANCSHARES, INC. (RSSD 3135471)
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, The Bank of Commerce reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, The Bank of Commerce's total assets ranged from $67.7M (Q3 2023) to $90.2M (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
$81.5M total assets against $72.3M; $73.3M total liabilities against $64.4M.
$37.2M net loans and leases against $41.2M; $73.0M total deposits against $64.1M.
$23.9M securities against $21.4M; $16.7M cash and balances due against $5.9M.
$1.0M total interest income against $1.0M; $333K total interest expense against $325K.
$691K net interest income against $699K.
$33K total noninterest income against $32K; $558K total noninterest expense against $544K.
No provision recorded in the last 12 quarters.
$166K net income against $187K.
0.78% return on assets against 0.94%; 3.42% net interest margin against 3.73%.
10.63% tier 1 leverage ratio against 10.97%.
Inside the full The Bank of Commerce terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe Bank of Commerce rankings
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.61% (Q4 2024) to 1.05% (Q1 2025) and its net interest margin ran from 3.41% (Q1 2026) to 3.77% (Q3 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.63% | 0.78% | 0.07% | 0.30% | 3.42% |
| Q1 2026 | 9.70% | 0.99% | 0.22% | 0.89% | 3.41% |
| Q4 2025 | 10.90% | 1.01% | 0.21% | 0.92% | 3.74% |
| Q3 2025 | 11.49% | 0.85% | 0.01% | 0.06% | 3.77% |
| Q2 2025 | 10.97% | 0.94% | 0.01% | 0.04% | 3.73% |
| Q1 2025 | 9.63% | 1.05% | 0.00% | 0.00% | 3.54% |
| Q4 2024 | 10.65% | 0.61% | 0.00% | 0.00% | 3.43% |
| Q3 2024 | 11.38% | 0.68% | 0.00% | 0.00% | 3.54% |
Swipe the table sideways to see every column.
Branch Network
View the branch → 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 |
|---|---|---|---|
| The Bank of Commerce | White Castle , LA | 70788 | $73.0M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in LA, rank 106 of 118 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $30K approved, $30K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1994 (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
Add this badge to your website
Free to use. It shows The Bank of Commerce’s latest filed figures and updates each quarter.
Similar banks
Compare The Bank of Commerce with peers
Frequently asked about The Bank of Commerce
What are The Bank of Commerce's total assets?
As of the Q2 2026 filing, The Bank of Commerce reported total assets of $81.5 million in its FFIEC call report.
Where is The Bank of Commerce headquartered?
It is headquartered in White Castle, LA, United States.
When was The Bank of Commerce founded?
It was established in 1927, per the FDIC institution directory.
Is The Bank of Commerce FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #1374). 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?
The Bank of Commerce's primary federal regulator is the FDIC.
How many branches does The Bank of Commerce operate?
It operates 1 domestic office, 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's Texas Ratio?
Its Texas Ratio is 0.30% 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.
Go deeper on The Bank of Commerce.
Get an email when The Bank of Commerce files its next call report, and benchmark it against any peer you choose.
Unlock The Bank of Commerce, freeFree account