Bank of Commerce & Trust Company Financial Reports (LA)

Bank of Commerce & Trust Company is an FDIC-insured commercial bank headquartered in Crowley, LA, established in 1926 (FDIC certificate 10523), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $377.9M, up 4.3% from Q2 2025, the 52nd largest of 102 banks headquartered in Louisiana. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.10% 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: 10523
Headquarters: Crowley, LA
Established: 1926
Total assets, Q2 2026: $377.9M
Assets vs Q2 2025: +4.3%
Tier 1 leverage ratio, Q2 2026: 11.10%
Domestic offices: 5 FDIC institution directory, current count
Routing number: 065200528
Latest call report: Q2 2026, FFIEC 051 · Bank of Commerce & Trust Company call report
Asset rank in state: 52nd of 102 in Louisiana

Assets

$377.9M

Deposits

$332.0M

Loans

$98.8M

Equity

$33.3M

Bank of Commerce & Trust Company spends more to run itself than most banks of its size. Its balance sheet stood at $378 million at June 30, 2026, up 4.3% from a year earlier; it is based in Crowley, Louisiana. It earns about $0.39 a year on every $100 of assets, about a third the median of $1.28 for the 2,627 banks with $100 million to $1 billion in assets. It also keeps 2.34 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 banks its size (median 3.96 cents).

Earnings jumped: net income for the quarter was $385,000, 55% above the same quarter a year earlier. Problem loans roughly halved over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.19% of loans from 0.38%. Costs are the weak spot: it spends about 81 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 61 cents).

As of June 30, 2026, Bank of Commerce & Trust Company reported a return on assets of 0.39%, a nonperforming-loan ratio of 0.19% and a Texas ratio of 0.57%. The figures come from its call report filed with the FFIEC.

What stands out

Against the 2,627 banks with $100 million to $1 billion in assets, June 30, 2026

Return on assets 0.39% Among the lowest of 2,627 banks $100M to $1B; median 1.28%
Efficiency ratio 81.0% In the top quarter of 2,627 banks $100M to $1B; median 60.9%

In the top or bottom 5% of its size peers

Percentile: share of the other banks in the tier with a lower value.

Net interest margin, bottom 5% 2.34% 2nd percentile of 2,655 banks with $100M to $1B in assets; median 3.95%. June 30, 2026.
Net interest spread, bottom 5% 1.71% 2nd percentile of 2,648 banks with $100M to $1B in assets; median 3.33%. June 30, 2026.
Cost of funds, bottom 5% 0.67% 3rd percentile of 2,648 banks with $100M to $1B in assets; median 1.80%. June 30, 2026.
Yield on earning assets, bottom 5% 3.17% 1st percentile of 2,655 banks with $100M to $1B in assets; median 5.60%. June 30, 2026.
Loans / deposits, bottom 5% 29.75% 2nd percentile of 2,648 banks with $100M to $1B in assets; median 80.60%. June 30, 2026.
Reserves / loans, bottom 5% 0.60% 5th percentile of 2,638 banks with $100M to $1B in assets; median 1.19%. June 30, 2026.

Of the 102 banks headquartered in Louisiana, Bank of Commerce & Trust Company is the 52nd largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 0.9% to $377.9M, loans fell 0.9% and deposits rose 0.7%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 19.0% of total loans, ahead of commercial and industrial loans at 16.9%. The FDIC Summary of Deposits lists 5 offices for it, in 4 cities in LA; its Crowley 2 offices book 68% of its branch deposits. By the capital ratios in its Q2 2026 call report, Bank of Commerce & Trust Company meets the community bank leverage ratio test for well capitalized.

Headquarters Profile

Address: 326 N Avenue G, Crowley, LA 70526
County: Acadia
Metro Area: Lafayette, 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: Trust powers grandfathered
Call Report form: FFIEC 051
Established: January 1, 1926
Domestic offices: 5 FDIC institution directory, current count
Employees (FTE): 68
Domestic deposits: $332.0M
Allowance for credit losses: $594K
Net charge-offs (YTD): $28K
Average total assets: $391.4M
Average total loans: $98.8M
Average interest-bearing deposits: $320.2M
Tax status: C corporation
Ownership: Stock
Community bank: Yes
FDIC-insured since: January 1, 1934
FDIC Cert: 10523
Fed RSSD: 476539
Website: https://www.bankofcommerceandtrust.com →

Profitability

Q2 annualized

Return on Assets0.39%YTD 0.31%

Return on Equity4.69%YTD 3.77%

Net Interest Margin2.34%YTD 2.29%

Yield on Earning Assets3.17%

Cost of Funds0.67%

Asset Quality

Non-Performing Loan Ratio0.19%

Net Charge-Off Ratio0.02%

Texas Ratio0.57%

Non-Performing Asset Ratio0.05%

Allowance for credit losses to total loans0.60%

Capital & Liquidity

CET1 Capital Ratio—

Tier 1 Capital Ratio—

Total Capital Ratio—

Tier 1 Leverage Ratio CBLR11.10%

Loan-to-Deposit Ratio29.75%

Balance Sheet

Total liabilities$344.6M

Cash & balances due$38.4M

Securities, available-for-sale$231.2M

Securities, held-to-maturity$0

Goodwill & intangibles$0

Income Statement

Net income Q2$385K

Net interest income YTD$4.3M

Total interest income YTD$5.8M

Total interest expense YTD$1.6M

Provision for credit losses YTD$0

Operating & Funding

Total noninterest income YTD$666K

Total noninterest expense YTD$4.2M

Efficiency Ratio80.98%

Net Interest Spread1.71%

Core Deposit Ratio88.66%

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, Bank of Commerce & Trust Company reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures

Quarterly trends

Bank of Commerce & Trust Company's total assets moved between a low of $349.3M (Q1 2024) and a high of $395.9M (Q4 2025) from Q3 2023 to Q2 2026, and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built

Total assets and total liabilities

$377.9M total assets against $362.4M; $344.6M total liabilities against $334.0M.

Loans and leases against deposits

$98.2M net loans and leases against $92.6M; $332.0M total deposits against $322.1M.

Securities and cash

$231.2M securities against $230.7M; $38.4M cash and balances due against $28.0M.

Interest income against interest expense

$3.0M total interest income against $2.6M; $772K total interest expense against $681K.

Net interest income

$2.2M net interest income against $2.0M.

Noninterest income against noninterest expense

$338K total noninterest income against $343K; $2.1M total noninterest expense against $2.0M.

Provision for credit losses

$0 provision for credit losses against $0.

Net income

$385K net income against $248K.

Return on assets and net interest margin

0.39% return on assets against 0.26%; 2.34% net interest margin against 2.18%.

CET1 and Tier 1 leverage ratios

11.10% tier 1 leverage ratio against 11.34%.

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Bank of Commerce & Trust Company rankings

Its closest position to the top of a national ranking is 2,143 of 4,196, for total assets; its furthest is 3,336 of 3,611, for ROA.

Total assets #2,143 /4,196 $377.9M 49th pct ROA #3,336 /3,611 0.39% 8th pct Texas Ratio #2,919 /3,640 0.57% 20th pct Efficiency ratio #3,283 /3,606 80.98% 9th pct Largest Louisiana banks by assets #52 in Louisiana

How ranks are counted

Quarterly trend: last 8 quarters

From Q3 2024 to Q2 2026, its return on assets ran from 0.09% (Q4 2024) to 0.39% (Q2 2026) and its net interest margin ran from 1.98% (Q4 2024) to 2.34% (Q2 2026).

Quarter	Leverage	ROA	NPL	Texas	NIM
Q2 2026	11.10%	0.39%	0.19%	0.57%	2.34%
Q1 2026	11.08%	0.24%	0.32%	0.98%	2.23%
Q4 2025	11.23%	0.15%	0.34%	1.08%	2.26%
Q3 2025	11.50%	0.17%	0.32%	1.06%	2.09%
Q2 2025	11.34%	0.26%	0.38%	1.21%	2.18%
Q1 2025	11.28%	0.12%	0.38%	1.29%	2.11%
Q4 2024	11.57%	0.09%	0.37%	1.46%	1.98%
Q3 2024	11.68%	0.23%	0.39%	1.42%	2.06%

Swipe the table sideways to see every column.

Branch Network

View all 5 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.

1–5 of 5

Branch	Location	ZIP	Deposits
Bank of Commerce & Trust Co.	Crowley , LA	70526	$197.9M
Rayne Branch	Rayne , LA	70578	$60.1M
Iota Branch	Iota , LA	70543	$36.6M
Northpark Branch	Crowley , LA	70526	$27.5M
Mermentau Branch	Mermentau , LA	70556	$9.9M

Regulatory record

Facts as filed or published, not a rating.

Deposit market share: 0.2% of deposits in LA, rank 61 of 118 institutions; Period: June 30, 2026. Source: FDIC Summary of Deposits.
SBA 7(a) lending: 1 loans, $140K approved, $140K average. 0.00% of that year's loans have since been charged off; Period: Federal fiscal year 1995 (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

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Frequently asked about Bank of Commerce & Trust Company

What are Bank of Commerce & Trust Company's total assets?

As of the Q2 2026 filing, Bank of Commerce & Trust Company reported total assets of $377.9 million in its FFIEC call report.

Where is Bank of Commerce & Trust Company headquartered?

It is headquartered in Crowley, LA, United States.

When was Bank of Commerce & Trust Company founded?

It was established in 1926, per the FDIC institution directory.

Is Bank of Commerce & Trust Company FDIC-insured?

Yes. It is an FDIC-insured commercial bank (FDIC Certificate #10523). 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 & Trust Company?

Bank of Commerce & Trust Company's primary federal regulator is the FDIC.

How many branches does Bank of Commerce & Trust Company operate?

It operates 5 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 & Trust Company's Texas Ratio?

Its Texas Ratio is 0.57% 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.

Understanding this data

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