Bank of Commerce and Trust Company, The
Wellington, KS · Cert 4796 · Peer group: banks under $1B in assets in the Wichita, KS area (n=20) · Tri-County Financial Corp.
State charter, non-member · FDIC · 4 branches
Q2 2026
$112.8MAssets
$47.4MLoans
$104.4MDeposits
$6.6MEquity
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 85% of banks under $1B in assets in the Wichita, KS area (rank 3 of 20).
- Widest gap: equity / assets trails 100% of banks under $1B in assets in the Wichita, KS area (rank 20 of 20).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
0.58%
Rank 18 of 20
Net Interest Margin
3.10%
Rank 19 of 20
Efficiency Ratio
75.56%
Rank 17 of 20
Equity / Assets
5.84%
Rank 20 of 20
Non-interest income vs. expense
Unfavorable gap of $2.5M · efficiency ratio beats 20% of banks under $1B in assets in the Wichita, KS area | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.58% | 0.80% | 1.20% | 1.35% | Beats 10% | 18 / 20 | | |
| Return on Equity | 9.94% | 9.43% | 12.85% | 15.78% | Beats 35% | 13 / 20 | | |
| Net Interest Margin | 3.10% | 3.71% | 4.04% | 4.23% | Beats 5% | 19 / 20 | | |
| Efficiency Ratio | 75.56% | 59.34% | 65.86% | 71.92% | Beats 20% | 17 / 20 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.17% | 0.06% | 0.64% | 1.17% | Beats 25% | 16 / 20 | | |
| Net Charge-Offs / Loans | 0.06% | n/a | 0.02% | 0.09% | Beats 35% | 14 / 20 | | |
| Capital |
| Tier 1 Capital Ratio | 18.99% | 11.10% | 11.73% | 15.56% | Beats 85% | 3 / 20 | | |
| Total Risk-Based Capital Ratio | 19.85% | 11.80% | 12.57% | 16.49% | Beats 85% | 3 / 20 | | |
| Equity / Assets | 5.84% | 8.39% | 8.81% | 11.24% | Beats 0% | 20 / 20 | | |
| Liquidity & Funding |
| Loans / Deposits | 45.44% | 62.67% | 77.26% | 93.25% | 15th pctl | 17 / 20 | | |
| Loans / Assets | 42.07% | 54.38% | 67.74% | 81.71% | 15th pctl | 17 / 20 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |