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Bank of Commerce

$100M-$1B Specialty: Commercial WY FDIC cert 22639

Rawlins, WY

2 branches across WY

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 17 in WY.
  • Deposits +8.1% year over year ($189.3M on the books).
  • Delinquency rate 0.02%.
  • Return on assets 1.41%.
  • Efficiency ratio 58.56% vs a 64.48% peer average.
  • Loan-to-deposit ratio 60.05% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 17 in WY
View $100M-$1B leaderboard (WY) →

Bank of Commerce has 4 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Credit Quality Leader: Top 13.7% in tier
  • + ROA 0.09% above tier average
  • + Net Interest Margin 0.15% above tier average
  • + Efficiency Ratio 5.91% below tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 3.7% in tier
  • - Credit Risk Growth: Bottom 24.4% in tier
Get updates when Bank of Commerce releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (WY) National Avg Tier Percentile
Total Assets ? $216.3M
+9.4% YoY +1.1% QoQ
-$170.3M $386.6M
+1.2% YoY
$450.2M
+6.6% YoY
$6.3B
+7.7% YoY
30%
Total Loans ? $113.7M
+7.3% YoY +2.6% QoQ
-$144.7M $258.3M
+1.7% YoY
$256.9M
+8.1% YoY
$3.2B
+9.4% YoY
23%
Total Deposits ? $189.3M
+8.1% YoY -0.9% QoQ
-$137.4M $326.7M
+0.7% YoY
$395.8M
+5.2% YoY
$4.9B
+7.3% YoY
31%
Return on Assets ? 1.41%
+8.2% YoY +9.7% QoQ
+0.09% 1.32%
+10.8% YoY
1.35%
+50.4% YoY
1.30%
+12.1% YoY
60%
Net Interest Margin ? 4.14%
+1.3% YoY +2.7% QoQ
+0.15% 3.99%
+5.0% YoY
3.97%
+6.9% YoY
3.95%
+4.9% YoY
61%
Efficiency Ratio ? 58.56%
-6.1% YoY -3.3% QoQ
-5.91% 64.48%
-3.2% YoY
70.09%
-6.6% YoY
70.05%
+2.5% YoY
61%
Delinquency Rate ? 0.02%
+328.8% YoY -6.6% QoQ
-0.90% 0.92%
+15.7% YoY
0.54%
-5.2% YoY
0.98%
+16.3% YoY
84%
Loan-to-Deposit Ratio ? 60.05%
-0.8% YoY +3.6% QoQ
-17.90% 77.95%
+1.0% YoY
246.53%
+252.1% YoY
79.03%
+2.3% YoY
83%
Non-Interest-Bearing Deposit Share ? 23.92%
-1.5% YoY +2.1% QoQ
+1.89% 22.03%
-0.6% YoY
24.71%
-0.8% YoY
21.98%
-0.6% YoY
62%
Nonperforming Asset Ratio ? 0.01%
+320.5% YoY -5.2% QoQ
-0.66% 0.67%
+16.4% YoY
0.41%
+17.6% YoY
0.69%
+15.8% YoY
Top 14.0% in tier
Tier 1 Capital Ratio ? 11.28%
-0.5% YoY +0.5% QoQ
-4.63% 15.91%
+1.4% YoY
20.04%
+15.3% YoY
17.09%
+0.8% YoY
27%
Non-Interest Income / Assets ? 0.17%
-7.6% YoY +100.6% QoQ
-0.40% 0.57%
+7.6% YoY
0.52%
+37.3% YoY
0.66%
+5.2% YoY
41%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (WY) National Avg Tier Percentile
Noninterest-Bearing 23.9%
-0.4pp YoY
+0.5pp QoQ
 +1.8pp 22.1% 24.7% 22.2% 62%
Brokered Deposits n/a n/a 7.9% 12.5% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (WY) National Avg Tier Percentile
C&I 14.9%
+0.5pp YoY
+2.3pp QoQ
 +3.3pp 11.6% 16.1% 12.5% 75%
CRE 41.7%
+1.7pp YoY
-0.8pp QoQ
 +2.2pp 39.5% 45.3% 41.4% 56%
1-4 Family 28.8%
-1.5pp YoY
-1.8pp QoQ
 -3.9pp 32.6% 25.2% 31.3% 48%
Consumer 7.3%
-0.2pp YoY
+0.2pp QoQ
 +3.1pp 4.1% 4.1% 5.0% 86%

Capital

Metric Current vs Tier Tier Avg State Avg (WY) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 25.5% 19.7% n/a
Leverage Ratio 11.3%
-0.1pp YoY
+0.1pp QoQ
 -0.9pp 12.2% 11.6% 12.6% 55%
Total Capital Ratio n/a n/a 19.9% 26.6% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (WY) National Avg Tier Percentile
Full-Time Employees 31
0 YoY
0 QoQ
 -28 58 57 482 28%
Assets per Employee ($) $7.0M
+9.4% YoY
+1.1% QoQ
 -$542K $7.5M $8.7M $8.8M 52%
Branch Count 2
0 YoY
0 QoQ
 -3 4 4 18 11%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (WY) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.2% 0.4% n/a
Nonaccrual 0.0%
0.0pp YoY
0.0pp QoQ
 -0.9pp 0.9% 0.6% 1.0% 6%
Allowance Coverage 77.26x
-77.6% YoY
+4.2% QoQ
 +53.11x 24.15x 18.30x 20.23x 96%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 36%

Profitability

Metric Current vs Tier Tier Avg State Avg (WY) National Avg Tier Percentile
ROE 14.1%
-0.2pp YoY
+1.2pp QoQ
 +1.9pp 12.2% 9.7% 11.6% 63%
Cost of Funds (YTD) 1.3%
+0.1pp YoY
0.0pp QoQ
 -0.4pp 1.7% 1.6% 1.7% 24%
Net Income ($, YTD) $1.5M
+16.5% YoY
— QoQ
 -$1.0M $2.6M $3.2M $40.4M 42%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Credit Quality Leader

growth
#91 of 659 • Top 13.7% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature
Delinquency Rate: 0.02%
(Tier: 0.92%, National: 0.98%)
better than tier avg
659 of 659 Community banks match · 920 nationally
→ Stable +1 banks QoQ | QoQ rank improving

Concerns (2)

Credit Quality Pressure

risk
#47 of 1256 • Bottom 3.7% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.02%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank declining

Credit Risk Growth

risk
#229 of 936 • Bottom 24.4% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally
→ Stable -58 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (3 metrics)

371
Nonperforming Asset Ratio
credit_quality
Value: 0.01%
Peer Median: 0.67%
#371 of 2643 Top 14.0% in $100M-$1B
420
Delinquency Rate
credit_quality
Value: 0.02%
Peer Median: 0.92%
#420 of 2633 Top 15.9% in $100M-$1B
457
Loan-to-Deposit Ratio
liquidity
Value: 60.05%
Peer Median: 77.95%
#457 of 2643 Top 17.3% in $100M-$1B

Top Weaknesses (1 metrics)

2027
Total Loans
size
Value: $113.67M
Peer Median: $258.35M
#2027 of 2643 Bottom 23.3% in $100M-$1B
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