Boc Bank
BankRegReports is independent of Boc Bank and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Boc Bank is an FDIC-insured commercial bank headquartered in McLean, TX, established in 1984 (FDIC certificate 25328), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $203.4M, up 4.0% from Q2 2025, the 252nd largest of 346 banks headquartered in Texas. Its CET1 capital ratio was 16.02% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 25328
- Headquarters
- McLean, TX
- Established
- 1984
- Total assets, Q2 2026
- $203.4M
- Assets vs Q2 2025
- +4.0%
- CET1 ratio, Q2 2026
- 16.02%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 111308442
- Latest call report
- Q2 2026, FFIEC 051 · Boc Bank call report
- Asset rank in state
- 252nd of 346 in Texas
Boc Bank, based in Mclean, Texas, reported $203 million in assets at June 30, 2026, up 4.0% from a year earlier. It carries problem assets equal to 0.0% of the capital and reserves that would absorb them, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 2.6%). On the other hand, it pays an average of 2.26% on its deposits and borrowings, higher than about three-quarters of banks its size (median 1.80%).
Net income for the quarter slipped 17% from a year earlier, to $931,000.
As of June 30, 2026, Boc Bank reported a CET1 capital ratio of 16.02%, a return on assets of 1.76%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
Of the 346 banks headquartered in Texas, Boc Bank is the 252nd largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 5.3% to $203.4M, loans rose 2.0% and deposits fell 6.4%. The largest part of its loan book on June 30, 2026 was commercial and industrial loans, at 32.4% of total loans, ahead of 1-4 family residential loans at 29.0%. The FDIC Summary of Deposits lists 4 offices for it, in 4 cities in TX; its Amarillo office books 69% of its branch deposits. By the capital ratios in its Q2 2026 call report, Boc Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 201 N Main St, McLean, TX 79057
- County
- Gray
- Metro Area
- Pampa, TX
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- August 16, 1984
- Former names
- Bank of Commerce (1985-2018)
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 27
- Domestic deposits
- $176.7M
- Allowance for credit losses
- $2.3M
- Net charge-offs (YTD)
- $0
- Average total assets
- $211.2M
- Average total loans
- $146.1M
- Average interest-bearing deposits
- $142.6M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 16, 1984
- FDIC Cert
- 25328
- Fed RSSD
- 352651
- Website
- http://www.bocbanking.com →
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
Boc Bank's total assets moved between a low of $195.5M (Q2 2025) and a high of $253.5M (Q4 2023) 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
$203.4M total assets against $195.5M; $177.6M total liabilities against $171.7M.
$149.5M net loans and leases against $145.4M; $176.7M total deposits against $170.7M.
$33.8M securities against $29.9M; $16.1M cash and balances due against $14.9M.
$3.3M total interest income against $3.6M; $1.1M total interest expense against $1.4M.
$2.3M net interest income against $2.1M.
$38K total noninterest income against $51K; $1.4M total noninterest expense against $1.1M.
$0 provision for credit losses against -$4K.
$931K net income against $1.1M.
1.76% return on assets against 2.08%; 4.31% net interest margin against 4.03%.
16.02% CET1 capital ratio against 15.75%; 12.41% tier 1 leverage ratio against 11.28%.
Inside the full Boc Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeBoc Bank rankings
Its closest position to the top of a national ranking is 794 of 3,611, for ROA; its furthest is 3,531 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -0.26% (Q4 2025) to 2.09% (Q3 2025) and its net interest margin ran from 3.49% (Q1 2026) to 4.54% (Q4 2024).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 16.02% | 1.76% | 0.00% | 0.00% | 4.31% |
| Q1 2026 | 14.40% | 1.85% | 0.00% | 0.00% | 3.49% |
| Q4 2025 | 15.52% | -0.26% | 0.00% | 0.00% | 3.89% |
| Q3 2025 | 17.88% | 2.09% | 0.00% | 0.00% | 4.37% |
| Q2 2025 | 15.75% | 2.08% | 0.00% | 0.00% | 4.03% |
| Q1 2025 | 14.89% | 1.61% | 0.00% | 0.00% | 3.78% |
| Q4 2024 | 14.28% | 2.03% | 0.00% | 0.00% | 4.54% |
| Q3 2024 | 14.59% | 1.21% | 0.00% | 0.00% | 3.64% |
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 |
|---|---|---|---|
| Amarillo Polk St. Branch | Amarillo , TX | 79101 | $122.5M |
| Miami Branch | Miami , TX | 79059 | $27.5M |
| Shamrock Branch | Shamrock , TX | 79079 | $13.8M |
| Boc Bank (main office) | Mclean , TX | 79057 | $13.0M |
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 |
|---|---|---|---|
| August 17, 1984 | Structure Change | Acquired American National Bank in McLean Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| August 16, 1984 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
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 TX, rank 311 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $525K approved, $525K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2012 (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 Boc Bank’s latest filed figures and updates each quarter.
Similar banks
Frequently asked about Boc Bank
What are Boc Bank's total assets?
As of the Q2 2026 filing, Boc Bank reported total assets of $203.4 million in its FFIEC call report.
Where is Boc Bank headquartered?
It is headquartered in McLean, TX, United States.
When was Boc Bank founded?
It was established in 1984, per the FDIC institution directory.
Is Boc Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #25328). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Boc Bank?
Boc Bank's primary federal regulator is the Federal Reserve.
What is Boc Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 16.02% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Boc Bank 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 Boc Bank's Texas Ratio?
Its Texas Ratio is 0.00% 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 Boc Bank previously called?
The charter now named Boc Bank has also operated as Bank of Commerce (1985-2018), per FDIC structure-change records.
Go deeper on Boc Bank.
Get an email when Boc Bank files its next call report, and benchmark it against any peer you choose.
Unlock Boc Bank, freeFree account