Bank of Commerce & Trust Company: 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: 2.20 percentage points higher than in Q1 2026, at 309.38%. Bank of Commerce & Trust Company ranks 91st of 103 Louisiana banks on return on assets, in the lower half at 0.39% (Q2 2026). Bank of Commerce & Trust Company's return on assets of 0.39% is well below the 1.25% median for banks in the $100M-1B asset tier, a gap of 0.86 points (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 | 11.10% |
| Equity capital to assets | 8.81% |
| Tangible equity to tangible assets | 8.81% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.19% |
| Non-performing assets ratio | 0.05% |
| Net charge-off ratio | 0.02% |
| Texas ratio | 0.57% |
| Allowance for credit losses to loans | 0.60% |
| Reserve coverage of non-performing loans | 309.38% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.39% |
| Return on equity | 4.69% |
| Net interest margin | 2.34% |
| Efficiency ratio | 80.98% |
| Yield on earning assets | 3.17% |
| Cost of funds | 0.67% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 29.75% |
| Core deposits to total deposits | 88.66% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 87.86% |
| Securities to assets | 61.19% |
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 | 11.33% | 2.79% | 1.58% | 0.14% | -0.26% |
| Q4 2023 | 11.02% | -1.85% | 1.86% | 0.22% | 0.00% |
| Q1 2024 | 11.27% | 0.27% | 2.08% | 0.31% | -0.04% |
| Q2 2024 | 11.41% | 0.30% | 2.11% | 0.38% | 0.05% |
| Q3 2024 | 11.68% | 0.23% | 2.06% | 0.39% | 0.00% |
| Q4 2024 | 11.57% | 0.09% | 1.98% | 0.37% | 0.07% |
| Q1 2025 | 11.28% | 0.12% | 2.11% | 0.38% | 0.04% |
| Q2 2025 | 11.34% | 0.26% | 2.18% | 0.26% | 0.06% |
| Q3 2025 | 11.50% | 0.17% | 2.09% | 0.21% | 0.02% |
| Q4 2025 | 11.23% | 0.15% | 2.26% | 0.22% | 0.06% |
| Q1 2026 | 11.08% | 0.24% | 2.23% | 0.20% | 0.09% |
| Q2 2026 | 11.10% | 0.39% | 2.34% | 0.19% | 0.02% |
Bank of Commerce & Trust Company vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Commerce & Trust Company, 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 & Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10523) · FFIEC NIC profile (RSSD 476539)