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Bank of Commerce

$100M-$1B Specialty: Commercial OK FDIC cert 57491

Duncan, OK

6 branches across OK

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 106 in OK.
  • Deposits -3.8% year over year ($294.0M on the books).
  • Delinquency rate 2.30%.
  • Return on assets 0.22%.
  • Efficiency ratio 90.58% vs a 64.48% peer average.
  • Loan-to-deposit ratio 75.72% 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 106 in OK
View $100M-$1B leaderboard (OK) →

Bank of Commerce has 1 strength but faces 6 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

  • + Revenue Diversifier: Top 39.6% in tier

Key Concerns

Areas that may need attention

  • - Capital Thin: Bottom 3.5% in tier
  • - Efficiency Drag: Bottom 21.6% in tier
  • - Return on Assets 1.10% below tier average
  • - Nonperforming Asset Ratio 1.20% above tier average
  • - Net Interest Margin 0.31% below tier average
  • - Delinquency Rate 1.38% above 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 (OK) National Avg Tier Percentile
Total Assets ? $334.0M
-6.3% YoY -2.0% QoQ
-$52.6M $386.6M
+1.2% YoY
$1.3B
+6.0% YoY
$6.3B
+7.7% YoY
52%
Total Loans ? $222.6M
-15.0% YoY -1.3% QoQ
-$35.7M $258.3M
+1.7% YoY
$835.5M
+7.1% YoY
$3.2B
+9.4% YoY
53%
Total Deposits ? $294.0M
-3.8% YoY -1.9% QoQ
-$32.7M $326.7M
+0.7% YoY
$967.8M
+5.8% YoY
$4.9B
+7.3% YoY
53%
Return on Assets ? 0.22%
-59.2% YoY +119.8% QoQ
-1.10% 1.32%
+10.8% YoY
1.35%
+7.7% YoY
1.30%
+12.1% YoY
Bottom 5.9% in tier
Net Interest Margin ? 3.67%
+9.5% YoY +2.9% QoQ
-0.31% 3.99%
+5.0% YoY
4.27%
+1.9% YoY
3.95%
+4.9% YoY
36%
Efficiency Ratio ? 90.58%
+2.6% YoY -4.6% QoQ
+26.10% 64.48%
-3.2% YoY
64.81%
-3.0% YoY
70.05%
+2.5% YoY
Bottom 5.4% in tier
Delinquency Rate ? 2.30%
-11.0% YoY +32.7% QoQ
+1.38% 0.92%
+15.7% YoY
1.78%
+23.7% YoY
0.98%
+16.3% YoY
Bottom 10.3% in tier
Loan-to-Deposit Ratio ? 75.72%
-11.6% YoY +0.5% QoQ
-2.23% 77.95%
+1.0% YoY
74.14%
+1.3% YoY
79.03%
+2.3% YoY
58%
Non-Interest-Bearing Deposit Share ? 13.25%
+12.6% YoY +14.7% QoQ
-8.78% 22.03%
-0.6% YoY
23.91%
-1.8% YoY
21.98%
-0.6% YoY
18%
Nonperforming Asset Ratio ? 1.87%
-15.3% YoY +26.6% QoQ
+1.20% 0.67%
+16.4% YoY
1.24%
+23.1% YoY
0.69%
+15.8% YoY
Bottom 8.4% in tier
Tier 1 Capital Ratio ? 10.54%
+4.9% YoY +3.1% QoQ
-5.37% 15.91%
+1.4% YoY
14.18%
-3.9% YoY
17.09%
+0.8% YoY
17%
Non-Interest Income / Assets ? 0.85%
-65.6% YoY +63.6% QoQ
+0.28% 0.57%
+7.6% YoY
0.31%
-11.7% YoY
0.66%
+5.2% YoY
Top 4.4% in tier

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 (OK) National Avg Tier Percentile
Noninterest-Bearing 13.2%
+1.5pp YoY
+1.7pp QoQ
 -8.9pp 22.1% 23.9% 22.2% 18%
Brokered Deposits n/a n/a 7.9% 9.7% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
C&I 18.9%
-0.7pp YoY
-2.6pp QoQ
 +7.3pp 11.6% 15.7% 12.5% 86%
CRE 50.5%
+3.6pp YoY
+3.6pp QoQ
 +11.0pp 39.5% 42.0% 41.4% 71%
1-4 Family 7.2%
-5.6pp YoY
+0.6pp QoQ
 -25.4pp 32.6% 24.0% 31.3% 7%
Consumer 0.8%
-0.2pp YoY
-0.1pp QoQ
 -3.3pp 4.1% 5.6% 5.0% 23%

Capital

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 17.0% 19.7% n/a
Leverage Ratio 10.5%
+0.5pp YoY
+0.3pp QoQ
 -1.6pp 12.2% 11.7% 12.6% 42%
Total Capital Ratio n/a n/a 19.9% 18.2% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
Full-Time Employees 76
-86 (-53.1%) YoY
-6 (-7.3%) QoQ
 +17 58 150 482 75%
Assets per Employee ($) $4.4M
+99.7% YoY
+5.8% QoQ
 -$3.1M $7.5M $6.5M $8.8M 7%
Branch Count 6
0 YoY
0 QoQ
 +1 4 8 18 66%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
Past Due 90+ Days 0.2%
+0.2pp YoY
 -0.1pp 0.3% 0.9% 0.4% 67%
Nonaccrual 2.1%
-0.5pp YoY
+0.4pp QoQ
 +1.2pp 0.9% 1.5% 1.0% 88%
Allowance Coverage 0.53x
+15.4% YoY
-26.1% QoQ
 -23.63x 24.15x 61.99x 20.23x 11%
Net Charge-off Rate (YTD) 0.2%
+0.1pp YoY
+0.2pp QoQ
 +0.1pp 0.1% 0.2% 0.2% 85%

Profitability

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
ROE 2.2%
-3.7pp YoY
+1.2pp QoQ
 -10.0pp 12.2% 11.9% 11.6% 6%
Cost of Funds (YTD) 2.7%
-0.7pp YoY
-0.1pp QoQ
 +1.0pp 1.7% 1.8% 1.7% 94%
Net Income ($, YTD) $378,000
-61.5% YoY
— QoQ
 -$2.2M $2.6M $8.7M $40.4M 8%

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)

Revenue Diversifier

growth
#263 of 661 • Top 39.6% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature
Noninterest Income / Assets: 0.85%
(Tier: 0.57%, National: 0.66%)
better than tier avg
Return on Assets: 0.22%
(Tier: 1.32%, National: 1.30%)
but worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank declining

Concerns (2)

Capital Thin

risk
#24 of 661 • Bottom 3.5% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 10.54%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank declining

Efficiency Drag

risk
#79 of 361 • Bottom 21.6% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature
Efficiency Ratio: 90.58%
(Tier: 64.48%, National: 70.05%)
worse than tier avg
361 of 361 Community banks match · 426 nationally
↓ Shrinking -64 banks QoQ | QoQ rank improving

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 (1 metrics)

117
Non-Interest Income / Assets
revenue_mix
Value: 0.85%
Peer Median: 0.57%
#117 of 2643 Top 4.4% in $100M-$1B

Top Weaknesses (6 metrics)

2502
Efficiency Ratio
profitability
Value: 90.58%
Peer Median: 64.48%
#2502 of 2643 Bottom 5.4% in $100M-$1B
2487
Return on Assets
profitability
Value: 0.22%
Peer Median: 1.32%
#2487 of 2643 Bottom 5.9% in $100M-$1B
2422
Nonperforming Asset Ratio
credit_quality
Value: 1.87%
Peer Median: 0.67%
#2422 of 2643 Bottom 8.4% in $100M-$1B
2363
Delinquency Rate
credit_quality
Value: 2.30%
Peer Median: 0.92%
#2363 of 2633 Bottom 10.3% in $100M-$1B
2187
Tier 1 Capital Ratio
capital
Value: 10.54%
Peer Median: 15.91%
#2187 of 2643 Bottom 17.3% in $100M-$1B
2165
Non-Interest-Bearing Deposit Share
funding
Value: 13.25%
Peer Median: 22.03%
#2165 of 2643 Bottom 18.1% in $100M-$1B
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