Bank of Commerce
Chelsea, Oklahoma · FDIC Cert #13274
Bank of Commerce is an FDIC-insured bank (Certificate #13274) with $204M in total assets and $179M in total deposits as of the Q2 2024 Call Report. Headquartered in Chelsea, Oklahoma, the bank maintains a Tier 1 capital ratio of 18.21% (Well-Capitalized) and a nonperforming loan ratio of 0.53%. BankHealthData assigns a composite Health Grade of A (97/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Bank of Commerce (FDIC cert 13274) is a community bank — $204M in total assets, $179M in deposits, serving the Chelsea, Oklahoma area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is strong: Tier 1 capital ratio of 18.21% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is normal: non-performing loan ratio of 0.53% sits in the typical 0.5-2% range for healthy U.S. banks. Some NPL is unavoidable in any meaningful lending portfolio. Liquidity is comfortable: 36.8% of assets in liquid form — sufficient to cover meaningful deposit-outflow scenarios without forced asset sales.
Profitability is strong: return on assets of 2.64% is well above the 1.0% benchmark most analysts use as the threshold for a healthy bank. Strong ROA usually reflects disciplined cost management, healthy net interest margins, or both. Health-score trend is essentially stable across the recent-quarters window — the typical pattern for established banks operating in steady-state mode. Bank of Commerce carries a composite BankHealth grade of A (97/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Bank of Commerce
- Total Assets
- $204M
- Total Deposits
- $179M
- Tier 1 Capital Ratio
- 18.21%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.53%
- Liquidity Ratio
- 36.77%
- Return on Assets
- 2.64%
- Headquarters
- Chelsea, Oklahoma
- FDIC Certificate
- #13274
- Health Grade
- A (97/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Bank of Commerce holds a Tier 1 capital ratio of 18.21%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Bank of Commerce has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Bank of Commerce shows strong financial health indicators. With $204M in assets and a Health Score of 97/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Bank of Commerce Compares
Bank of Commerce’s Health Score of 97 is 33 points above the Oklahoma state average of 64 across 141 FDIC-insured banks. Its 18.21% Tier 1 capital ratio is 4.2 points above the US banking industry average near 14%. The 0.53% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 2.64% is in line with or above the national ROA benchmark of ~1.1%. Among 1524 similarly-sized banks, the average Health Score is 69, meaning this bank ranks above its size cohort. Site-wide, Bank of Commerce is 27 points above the portfolio average of 70.
Frequently Asked Questions
Bank of Commerce has a Bank Health Score of A (97/100), placing it one of the safest banks in our analysis. It holds a Tier 1 capital ratio of 18.21%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Bank of Commerce's Tier 1 capital ratio of 18.21% and nonperforming loan ratio of 0.53% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Bank of Commerce is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #13274). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Bank of Commerce holds $204M in total assets and $179M in total deposits. It is headquartered in Chelsea, Oklahoma (FDIC Certificate #13274).
Bank of Commerce has a Tier 1 capital ratio of 18.21%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.53%, and the return on assets is 2.64%.
Yes. Bank of Commerce is FDIC-insured (Certificate #13274). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An A grade on our Bank Health Score means 85+/100 — top-tier capital, low loan losses, strong liquidity. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Bank of Commerce's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.