The 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 Loan-to-deposit ratio: 6.93 percentage points higher than in Q1 2026, at 51.56%. Within Louisiana, The Bank of Commerce is 76th of 103 on return on assets, 0.78% as of Q2 2026, below the middle of the field. The Bank of Commerce reported 0.78% on return on assets for Q2 2026, 0.20 points below the 0.98% median for banks in the < $100M 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 | 10.63% |
| Equity capital to assets | 10.03% |
| Tangible equity to tangible assets | 10.03% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.02% |
| Non-performing assets ratio | 0.47% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 4.76% |
| Allowance for credit losses to loans | 1.11% |
| Reserve coverage of non-performing loans | 109.14% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.78% |
| Return on equity | 8.12% |
| Net interest margin | 3.42% |
| Efficiency ratio | 76.62% |
| Yield on earning assets | 5.05% |
| Cost of funds | 1.71% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 51.56% |
| Core deposits to total deposits | 85.31% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 89.59% |
| Securities to assets | 29.28% |
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 | 11.94% | 0.85% | 3.77% | 1.11% | 0.00% |
| Q4 2023 | 11.75% | 1.06% | 3.51% | 1.24% | 0.01% |
| Q1 2024 | 10.61% | 0.95% | 3.52% | 1.14% | -0.01% |
| Q2 2024 | 11.27% | 0.84% | 3.51% | 1.16% | 0.00% |
| Q3 2024 | 11.38% | 0.68% | 3.54% | 1.10% | 0.00% |
| Q4 2024 | 10.65% | 0.61% | 3.43% | 1.12% | 0.00% |
| Q1 2025 | 9.63% | 1.05% | 3.54% | 1.06% | 0.00% |
| Q2 2025 | 10.97% | 0.94% | 3.73% | 0.97% | 0.00% |
| Q3 2025 | 11.49% | 0.85% | 3.77% | 0.89% | 0.00% |
| Q4 2025 | 10.90% | 1.01% | 3.74% | 1.03% | 0.01% |
| Q1 2026 | 9.70% | 0.99% | 3.41% | 1.08% | 0.00% |
| Q2 2026 | 10.63% | 0.78% | 3.42% | 1.02% | 0.00% |
The Bank of Commerce vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The 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 The Bank of Commerce profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1374) · FFIEC NIC profile (RSSD 103134)