Bank Comparison
Bank of Commerce vs Bank of the Orient
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
11 · 10
winning metrics across 21 comparable rows
Capital adequacy
| Metric | Bank of Commerce | Bank of the Orient |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 12.61% | 12.06% |
| Equity / Assets | 10.81% | 11.67% |
Profitability
| Metric | Bank of Commerce | Bank of the Orient |
|---|---|---|
| Return on Assets (ROA) | 1.16% | 0.88% |
| Return on Equity (ROE) | 10.57% | 7.39% |
| Net Interest Margin (NIM) | 3.20% | 3.57% |
| Yield on Earning Assets | 5.08% | 6.09% |
| Cost of Funds | 2.01% | 2.83% |
Asset quality
| Metric | Bank of Commerce | Bank of the Orient |
|---|---|---|
| Texas Ratio | 5.44% | 5.16% |
| Non-Performing Loan Ratio | 0.39% | 0.79% |
| Non-Performing Asset Ratio | 0.27% | 0.66% |
| Net Charge-Off Ratio | 0.07% | 0.00% |
| ACL / Loans | 0.83% | 1.38% |
Balance sheet
| Metric | Bank of Commerce | Bank of the Orient |
|---|---|---|
| Total Assets | $1,159M | $1,160M |
| Total Deposits | $1,027M | $996,322K |
| Total Loans | $627,966K | $970,880K |
| Total Equity | $125,367K | $135,384K |
| Net Income (quarter) | $3,308K | $2,479K |
Liquidity & funding
| Metric | Bank of Commerce | Bank of the Orient |
|---|---|---|
| Loan-to-Deposit Ratio | 61.12% | 97.45% |
| Core Deposit Ratio | 87.33% | 80.60% |
| Uninsured Deposit Ratio | 49.73% | 17.46% |
Identity
| Metric | Bank of Commerce | Bank of the Orient |
|---|---|---|
| Headquarters City | GREENWOOD | SAN FRANCISCO |
| Headquarters State | MS | CA |
| Asset Tier | Large | Large |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FED |
| Domestic Branches | 17 | 10 |
| Employees (FTE) | 134 | 104 |
| Established | Aug. 4, 1904, midnight | March 17, 1971, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
View full Bank of Commerce profile | View full Bank of the Orient profile | Browse all bank comparisons