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Bank of Commerce

Duncan, OK · Cert 57491 · Commerce Financial Co.

State charter, non-member · FDIC · 6 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in OK3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in OK (n=87 to 88). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

22

Q2 2024Q2 2026peer median (50)

Asset Quality

28

Q2 2024Q2 2026peer median (50)

Profitability

14

Q2 2024Q2 2026peer median (50)

Liquidity

77

Q2 2024Q2 2026peer median

Efficiency

12

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Bank of Commerce

Duncan, OK · Cert 57491 · Commerce Financial Co.

State charter, non-member · FDIC · 6 branches

Q2 2026

$334.0MAssets
$225.3MLoans
$294.0MDeposits
$34.3MEquity
Loan mix
73%RE $137.6M26%C&I $48.6M1%Consumer $2.0MQ3 2024Q2 2026
Deposit mix
87%Interest-bearing $255.1M13%Noninterest $38.9MQ3 2024Q2 2026

Market Position · Oklahoma City, OK · 2026 SOD (annual) · 0.0% share · #66 of 71 inst. · $0.0B of $60.8B

12.7% Stephens
11.7% Caddo
2.0% Grady
0.1% Comanche

Executive Summary

  • Earnings: ROA of 0.22%, down 32 bps year over year; NIM at 3.41%.
  • Asset quality: problem loans at 2.27% of loans (-28 bps YoY), with net charge-offs at 0.21%.
  • Capital: tier 1 leverage ratio of 10.54%, up 49 bps from a year ago.
  • Funding: loans stand at 76.64% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.22%-32 bps YoY

Net Interest Margin (YTD, annualized)

3.41%+25 bps YoY

Efficiency Ratio (YTD, annualized)

90.58%+233 bps YoY

Tier 1 Leverage Ratio

10.54%+49 bps YoY

NIM

6.29%Q2 ’246.34%Q2 ’255.87%Q2 ’26+4%+8%

Non-interest income vs. expense

3.59%Q2 ’247.21%Q2 ’254.60%Q2 ’26+14%+33%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.13%0.89%0.13%0.54%0.74%0.53%0.10%0.22%-32 bps
Return on Equity12.61%9.94%1.40%5.89%7.89%5.65%1.00%2.19%-370 bps
Net Interest Margin2.94%2.99%3.15%3.16%3.25%3.56%3.25%3.41%+25 bps
Efficiency Ratio80.03%83.93%94.33%88.25%85.87%83.19%94.98%90.58%+233 bps
Non-Interest Burden1.86%2.06%2.73%2.18%2.05%2.14%2.97%2.91%+73 bps
Growth
Asset Growth (YoY)14.48%11.14%3.81%-0.34%-6.46%-4.85%-5.72%-6.30%-596 bps
Loan Growth (YoY)12.63%6.74%1.27%-3.26%-8.58%-12.22%-14.20%-14.94%-1,169 bps
Deposit Growth (YoY)11.78%13.37%-0.80%-1.07%-5.51%-3.94%-2.69%-3.82%-275 bps
Asset Quality
Nonperforming Loans / Loans1.16%2.50%2.94%2.56%2.76%1.72%1.71%2.27%-28 bps
Net Charge-Offs / Loans0.02%0.02%-0.06%0.06%0.13%1.08%0.01%0.21%+15 bps
Allowance / Loans1.03%1.02%1.14%1.16%1.20%1.04%1.22%1.20%+3 bps
Allowance Coverage of NPLs0.9x0.4x0.4x0.5x0.4x0.6x0.7x0.5x+0.1x
Capital
Tier 1 Leverage Ratio9.75%9.16%9.71%10.05%10.25%10.05%10.22%10.54%+49 bps
Total Risk-Based Capital9.75%9.16%9.71%10.05%10.25%10.05%10.22%10.54%+49 bps
Equity / Assets8.98%8.92%9.16%9.51%9.75%9.86%10.18%10.27%+76 bps
Liquidity & Funding
Loans / Deposits86.28%87.40%86.47%86.66%83.47%79.86%76.24%76.64%-1,002 bps
Liquid Assets / Assets13.16%10.36%11.72%10.96%13.66%13.13%15.46%15.05%+409 bps
CRE / Total Capitaln/an/an/an/a330%312%302%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Bank of Commerce

Duncan, OK · Cert 57491 · Peer group: banks under $1B in assets in OK (n=87-88) · Commerce Financial Co.

State charter, non-member · FDIC · 6 branches

Q2 2026

$334.0MAssets
$225.3MLoans
$294.0MDeposits
$34.3MEquity

Executive Summary

  • Strongest standing: equity / assets outperforms 36% of banks under $1B in assets in OK (rank 56 of 88).
  • Widest gap: return on equity trails 90% of banks under $1B in assets in OK (rank 79 of 88).
  • Overall: at or above the peer median on 0 of 9 directional measures.

Return on Assets

0.23%

Rank 78 of 88

Net Interest Margin

3.41%

Rank 69 of 88

Efficiency Ratio

90.62%

Rank 78 of 88

Equity / Assets

10.27%

Rank 56 of 88

Non-interest income vs. expense

$5.7M$15.4MINCOMEEXPENSE
Unfavorable gap of $9.7M · efficiency ratio beats 12% of banks under $1B in assets in OK
Bank 90.62%Peer median 61.5%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.23%0.85%1.26%1.62%Beats 11%78 / 88
Return on Equity2.20%7.40%11.89%14.66%Beats 10%79 / 88
Net Interest Margin3.41%3.51%3.93%4.47%Beats 22%69 / 88
Efficiency Ratio90.62%54.70%61.50%71.28%Beats 12%78 / 88
Asset Quality
Nonperforming Loans / Loans2.27%0.30%0.82%2.25%Beats 24%67 / 87
Net Charge-Offs / Loans0.11%0.00%0.03%0.20%Beats 31%61 / 87
Capital
Tier 1 Capital Ratio10.54%10.89%13.04%16.40%Beats 16%74 / 88
Total Risk-Based Capital Ratio10.54%11.20%13.09%16.43%Beats 14%76 / 88
Equity / Assets10.27%9.26%10.95%13.63%Beats 36%56 / 88
Liquidity & Funding
Loans / Deposits76.64%60.39%72.27%84.01%55th pctl39 / 87
Loans / Assets67.47%52.51%63.37%71.46%60th pctl35 / 88
Brokered Deposits / Depositsn/aNot reported for this institution