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Bank of Commerce

$100M-$1B Specialty: Agricultural KS FDIC cert 26217

Chanute, KS

15 branches across KS

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 117 in KS.
  • Deposits +5.4% year over year ($439.3M on the books).
  • Delinquency rate 0.05%.
  • Return on assets 1.46%.
  • Efficiency ratio 62.28% vs a 64.48% peer average.
  • Loan-to-deposit ratio 75.19% 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 117 in KS
View $100M-$1B leaderboard (KS) →

Bank of Commerce has 3 strengths but faces 3 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 11.2% in tier
  • + ROA 0.13% above tier average
  • + Efficiency Ratio 2.20% below tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 3.0% in tier
  • - Credit Risk Growth: Bottom 15.2% in tier
  • - Net Interest Margin 0.28% below tier average
Get updates when Bank of Commerce releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
Total Assets ? $497.5M
+6.0% YoY -0.6% QoQ
+$110.9M $386.6M
+1.2% YoY
$513.9M
+7.1% YoY
$6.3B
+7.7% YoY
72%
Total Loans ? $330.3M
+5.6% YoY +1.7% QoQ
+$71.9M $258.3M
+1.7% YoY
$343.7M
+7.8% YoY
$3.2B
+9.4% YoY
71%
Total Deposits ? $439.3M
+5.4% YoY -0.6% QoQ
+$112.6M $326.7M
+0.7% YoY
$426.3M
+7.4% YoY
$4.9B
+7.3% YoY
74%
Return on Assets ? 1.46%
+12.4% YoY +10.2% QoQ
+0.13% 1.32%
+10.8% YoY
1.56%
+14.6% YoY
1.30%
+12.1% YoY
63%
Net Interest Margin ? 3.70%
+3.7% YoY +1.4% QoQ
-0.28% 3.99%
+5.0% YoY
3.99%
+4.5% YoY
3.95%
+4.9% YoY
37%
Efficiency Ratio ? 62.28%
-4.0% YoY -3.9% QoQ
-2.20% 64.48%
-3.2% YoY
60.13%
-4.7% YoY
70.05%
+2.5% YoY
50%
Delinquency Rate ? 0.05%
+4.5% YoY +310.0% QoQ
-0.87% 0.92%
+15.7% YoY
0.82%
+9.9% YoY
0.98%
+16.3% YoY
79%
Loan-to-Deposit Ratio ? 75.19%
+0.2% YoY +2.3% QoQ
-2.77% 77.95%
+1.0% YoY
72.94%
+0.4% YoY
79.03%
+2.3% YoY
60%
Non-Interest-Bearing Deposit Share ? 22.24%
-6.3% YoY -7.0% QoQ
+0.21% 22.03%
-0.6% YoY
22.01%
-1.4% YoY
21.98%
-0.6% YoY
56%
Nonperforming Asset Ratio ? 0.03%
+4.1% YoY +319.8% QoQ
-0.63% 0.67%
+16.4% YoY
0.53%
+8.8% YoY
0.69%
+15.8% YoY
81%
Tier 1 Capital Ratio ? 13.73%
+2.0% YoY +1.4% QoQ
-2.18% 15.91%
+1.4% YoY
17.75%
-1.2% YoY
17.09%
+0.8% YoY
55%
Non-Interest Income / Assets ? 0.24%
-9.1% YoY +125.9% QoQ
-0.32% 0.57%
+7.6% YoY
0.59%
-1.1% YoY
0.66%
+5.2% YoY
62%

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 (KS) National Avg Tier Percentile
Noninterest-Bearing 22.2%
-1.5pp YoY
-1.7pp QoQ
 +0.1pp 22.1% 22.3% 22.2% 55%
Brokered Deposits n/a n/a 7.9% 8.7% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
C&I 11.5%
-0.6pp YoY
-0.7pp QoQ
 0.0pp 11.6% 12.6% 12.5% 61%
CRE 13.1%
-0.2pp YoY
0.0pp QoQ
 -26.4pp 39.5% 28.8% 41.4% 9%
1-4 Family 25.6%
-0.9pp YoY
-0.7pp QoQ
 -7.0pp 32.6% 26.7% 31.3% 42%
Consumer 3.2%
-0.6pp YoY
-0.2pp QoQ
 -0.9pp 4.1% 4.6% 5.0% 63%

Capital

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
CET1 Ratio 13.7%
+0.3pp YoY
+0.2pp QoQ
 -5.1pp 18.8% 23.3% 19.7% 36%
Leverage Ratio 9.2%
0.0pp YoY
0.0pp QoQ
 -3.0pp 12.2% 12.6% 12.6% 15%
Total Capital Ratio 14.9%
+0.2pp YoY
+0.2pp QoQ
 -5.0pp 19.9% 24.4% 20.8% 37%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
Full-Time Employees 101
+6 (+6.3%) YoY
0 QoQ
 +42 58 70 482 87%
Assets per Employee ($) $4.9M
-0.3% YoY
-0.6% QoQ
 -$2.6M $7.5M $7.1M $8.8M 14%
Branch Count 15
0 YoY
0 QoQ
 +10 4 6 18 98%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
Past Due 90+ Days 0.0%
0.0pp YoY
 -0.3pp 0.3% 0.4% 0.4% 4%
Nonaccrual 0.1%
0.0pp YoY
0.0pp QoQ
 -0.9pp 0.9% 0.8% 1.0% 12%
Allowance Coverage 22.86x
-7.7% YoY
-76.0% QoQ
 -1.29x 24.15x 22.44x 20.23x 89%
Net Charge-off Rate (YTD) -0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 24%

Profitability

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
ROE 15.3%
+1.6pp YoY
+1.3pp QoQ
 +3.1pp 12.2% 14.3% 11.6% 69%
Cost of Funds (YTD) 1.6%
-0.1pp YoY
0.0pp QoQ
 -0.1pp 1.7% 1.6% 1.7% 45%
Net Income ($, YTD) $3.6M
+19.5% YoY
— QoQ
 +$1.0M $2.6M $3.7M $40.4M 76%

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
#75 of 659 • Top 11.2% in tier

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

Why this signature
Delinquency Rate: 0.05%
(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
#39 of 1256 • Bottom 3.0% in tier

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

Why this signature
Delinquency Rate: 0.05%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ

Credit Risk Growth

risk
#143 of 936 • Bottom 15.2% 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

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 (2 metrics)

501
Nonperforming Asset Ratio
credit_quality
Value: 0.03%
Peer Median: 0.67%
#501 of 2643 Top 18.9% in $100M-$1B
561
Delinquency Rate
credit_quality
Value: 0.05%
Peer Median: 0.92%
#561 of 2633 Top 21.3% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available
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