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Bank Of Commerce
Chelsea, OK · FDIC Certificate #13274 · Chartered 03/2
Total assets
$203.18M
Total deposits
$174.48M
Total equity
$25.24M
Net loans
$133.48M
Branches (offices)
6
Net income (YTD)
$1.82M
Rank: #2,952 of 4,213 U.S. banks by assets · #97 of 168 in Oklahoma. Assets changed 10.2% and deposits 10.6% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.83% |
| Return on equity | 14.92% |
| Net interest margin (YTD) | 6.09% |
| Equity to assets | 12.42% |
| Tier 1 leverage ratio | 12.78% |
| Uninsured deposits (share of deposits) | 18.4% |
| Noncurrent loans (share of loans) | 0.78% |
| Net charge-offs (share of loans) | 0.10% |
| Loans to deposits | 76.5% |
| Real estate loans (share of loans) | 78.1% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $104.30M | 78.1% | |
| Commercial & industrial | $10.14M | 7.6% | |
| Consumer / individual | $15.19M | 11.4% | |
| Construction & development | $20.95M | 15.7% | |
| Agricultural | $1.27M | 0.9% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $203.42M | $182.78M | $1.07M | $17.70M |
| Jun 2023 | $198.59M | $177.15M | $1.60M | $18.09M |
| Jun 2024 | $203.58M | $178.58M | $1.98M | $21.29M |
| Jun 2025 | $184.41M | $157.73M | $2.02M | $23.10M |
| Jun 2026 | $203.18M | $174.48M | $1.82M | $25.24M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Oklahoma | $174.48M | 6 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $174.48M.
Similar-sized banks
Boc Bank ($203.36M) · Buffalo Federal Bank ($202.58M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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