Loading bank profile
Data through Q3 2026 · 4,200 institutions
Regulatory profile
Duncan, OK · FDIC certificate #57491
BANK OF COMMERCE is an FDIC-insured institution based in Duncan, OK (FDIC certificate #57491). In its Q3 2026 Call Report it reported total assets of $328M, total deposits of $292M and net loans of $238M. Its primary federal regulator is FDIC.
Plain-language readout
BANK OF COMMERCE has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $341M in Q1 2026 and were lowest at $328M in Q3 2026.
Total deposits were highest at $300M in Q1 2026 and lowest at $292M in Q3 2026.
Over the whole period total assets fell 3.8%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $328M | $292M | $238M | -0.18% | -1.80% | 3.90% |
| Q2 2026 | $334M | $294M | $223M | 0.22% | 2.19% | 3.67% |
| Q1 2026 | $341M | $300M | $226M | 0.10% | 1.00% | 3.57% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $52.7M | $55.6M | -$3.0M | -5.3% |
| Federal funds sold | $0K | $0K | $0K | n/a |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $28.5M | $29.1M | -$580K | -2.0% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $3.4M | $3.3M | +$106K | +3.2% |
| Net loans and leases (after allowance) | $219.2M | $222.3M | -$3.1M | -1.4% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $8.3M | $8.4M | -$95K | -1.1% |
| Other real estate owned | $1.1M | $1.1M | -$2K | -0.2% |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $2.2M | $2.2M | -$2K | -0.1% |
| All other assets | $18.5M | $18.6M | -$62K | -0.3% |
| Total assets | $334.0M | $340.7M | -$6.7M | -2.0% |
| Liabilities | ||||
| Total deposits | $294.0M | $299.6M | -$5.6M | -1.9% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $2.4M | $3.4M | -$968K | -28.6% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $3.3M | $3.1M | +$206K | +6.7% |
| Total liabilities | $299.7M | $306.0M | -$6.3M | -2.1% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $60K | $60K | $0K | 0.0% |
| Surplus | $25.8M | $25.8M | $0K | 0.0% |
| Retained earnings | $11.5M | $11.5M | +$45K | +0.4% |
| Accumulated other comprehensive income | -$3.0M | -$2.6M | -$422K | -16.2% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $34.3M | $34.7M | -$377K | -1.1% |
| Credit and capital | ||||
| Gross nonperforming assets | $6.2M | $5.0M | +$1.2M | +24.1% |
| Adjusted nonperforming assets | $6.2M | $5.0M | +$1.2M | +24.1% |
| Tangible equity plus allowance | $34.8M | $35.2M | -$464K | -1.3% |
| Texas ratio (gross) | 17.93% | 14.26% | +3.67 pts | See points |
| Texas ratio (adjusted) | 17.93% | 14.26% | +3.67 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 17.93% | 14.26% | +3.67 pts | See points |
| Tier 1 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Common equity Tier 1 to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 2 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Total risk-based capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 1 leverage (approximate) | 10.54% | 10.22% | +0.32 pts | See points |
| Construction and land loans to total capital | 42.12% | 39.76% | +2.37 pts | See points |
| Commercial real estate to total capital | 245.82% | 221.34% | +24.48 pts | See points |
| Dividend payout, year to date | 130.69% | 283.91% | -153.22 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -6.94% | -6.87% | -0.07 pts | See points |
| Liquidity | ||||
| Core deposits | $241.1M | $244.0M | -$2.9M | -1.2% |
| Non-core funding | $55.3M | $59.0M | -$3.7M | -6.2% |
| Loans to core deposits | 92.05% | 92.27% | -0.22 pts | See points |
| Loans to deposits | 75.49% | 75.15% | +0.34 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 9.06% | 28.46% | -19.40 pts | See points |
| Loans pledged, share of loans | 32.13% | 32.63% | -0.51 pts | See points |
| Volatile liabilities | $75.6M | $79.2M | -$3.7M | -4.6% |
| Earnings | ||||
| Earnings before provision, year to date | $799K | $227K | +$572K | +252.0% |
| Earnings before provision, single quarter | $572K | $227K | +$345K | +152.0% |
| Provision for credit losses, year to date | $300K | $161K | +$139K | +86.3% |
| Yield and cost | ||||
| Yield on loans and leases | 7.32% | 7.13% | +0.19 pts | See points |
| Yield on interest-bearing balances due from banks | 3.80% | 3.63% | +0.17 pts | See points |
| Total interest income to average assets | 5.80% | 5.77% | +0.03 pts | See points |
| Cost of interest-bearing transaction accounts | 0.14% | 0.11% | +0.02 pts | See points |
| Cost of savings and money market deposits | 2.38% | 2.36% | +0.02 pts | See points |
| Cost of time deposits | 3.84% | 3.89% | -0.05 pts | See points |
| Total interest expense to average assets | 2.36% | 2.53% | -0.18 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $328M | $292M | $238M | -0.18% | -1.80% | 3.90% |
| 2026-06-30 | $334M | $294M | $223M | 0.22% | 2.19% | 3.67% |
| 2026-03-31 | $341M | $300M | $226M | 0.10% | 1.00% | 3.57% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| OK | $305.7M | 0.22% | 76 | Continuing · -0.01 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.