Bank of Commerce
Duncan, OK · Cert 57491 · Peer group: banks under $1B in assets in OK (n=88-89) · 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 37% of banks under $1B in assets in OK (rank 56 of 89).
- Widest gap: return on equity trails 90% of banks under $1B in assets in OK (rank 80 of 89).
- Overall: at or above the peer median on 0 of 9 directional measures.
Return on Assets
0.23%
Rank 79 of 89
Net Interest Margin
3.41%
Rank 69 of 89
Efficiency Ratio
90.62%
Rank 79 of 89
Equity / Assets
10.27%
Rank 56 of 89
Non-interest income vs. expense
Unfavorable gap of $9.7M · efficiency ratio beats 12% of banks under $1B in assets in OK | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.23% | 0.85% | 1.26% | 1.60% | Beats 11% | 79 / 89 | | |
| Return on Equity | 2.20% | 7.40% | 11.89% | 14.65% | Beats 10% | 80 / 89 | | |
| Net Interest Margin | 3.41% | 3.46% | 3.93% | 4.45% | Beats 22% | 69 / 89 | | |
| Efficiency Ratio | 90.62% | 54.70% | 60.95% | 71.14% | Beats 12% | 79 / 89 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.27% | 0.30% | 0.82% | 2.25% | Beats 24% | 68 / 88 | | |
| Net Charge-Offs / Loans | 0.11% | 0.00% | 0.03% | 0.20% | Beats 31% | 62 / 88 | | |
| Capital |
| Tier 1 Capital Ratio | 10.54% | 10.89% | 13.00% | 16.33% | Beats 16% | 75 / 89 | | |
| Total Risk-Based Capital Ratio | 10.54% | 11.20% | 13.06% | 16.33% | Beats 13% | 77 / 89 | | |
| Equity / Assets | 10.27% | 9.26% | 10.94% | 13.52% | Beats 37% | 56 / 89 | | |
| Liquidity & Funding |
| Loans / Deposits | 76.64% | 61.51% | 72.27% | 84.01% | 56th pctl | 39 / 88 | | |
| Loans / Assets | 67.47% | 52.51% | 63.15% | 71.27% | 61st pctl | 35 / 89 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |