Bank Comparison
Desjardins Bank, N.A. vs Bank of Commerce
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
14 · 6
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Desjardins Bank, N.A. | Bank of Commerce |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 19.82% | 10.22% |
| Equity / Assets | 19.50% | 10.18% |
Profitability
| Metric | Desjardins Bank, N.A. | Bank of Commerce |
|---|---|---|
| Return on Assets (ROA) | 1.43% | 0.10% |
| Return on Equity (ROE) | 7.29% | 1.00% |
| Net Interest Margin (NIM) | 4.71% | 3.40% |
| Yield on Earning Assets | 5.19% | 6.05% |
| Cost of Funds | 0.56% | 2.83% |
Asset quality
| Metric | Desjardins Bank, N.A. | Bank of Commerce |
|---|---|---|
| Texas Ratio | 0.18% | 14.26% |
| Non-Performing Loan Ratio | 0.05% | 1.71% |
| Non-Performing Asset Ratio | 0.04% | 1.47% |
| Net Charge-Off Ratio | 0.00% | 0.01% |
| ACL / Loans | 1.07% | 1.22% |
Balance sheet
| Metric | Desjardins Bank, N.A. | Bank of Commerce |
|---|---|---|
| Total Assets | $340,637K | $340,690K |
| Total Deposits | $272,370K | $299,578K |
| Total Loans | $265,511K | $228,401K |
| Total Equity | $66,431K | $34,676K |
| Net Income (quarter) | $1,200K | $87 |
Liquidity & funding
| Metric | Desjardins Bank, N.A. | Bank of Commerce |
|---|---|---|
| Loan-to-Deposit Ratio | 97.48% | 76.24% |
| Core Deposit Ratio | 96.28% | 81.44% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Desjardins Bank, N.A. | Bank of Commerce |
|---|---|---|
| Headquarters City | HALLANDALE | DUNCAN |
| Headquarters State | FL | OK |
| Asset Tier | Small | Small |
| Charter Class | 23852 | 0 |
| Regulator | OCC | FDIC |
| Domestic Branches | 2 | 6 |
| Employees (FTE) | 52 | 82 |
| Established | Feb. 28, 1992, midnight | Dec. 16, 2002, 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.
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