Bank of Commerce (FDIC certificate #13274) is based in Chelsea, Oklahoma. Its Q2 2026 call report shows $203.2M in total assets and $174.5M in deposits and 6 offices.
Bank of Commerce has a TellerScore of 82 out of 100 (strong) based on Q2 2026 data — higher than 82% of its 2,650 banks with $100 million – $1 billion. Among 170 banks headquartered in Oklahoma, it ranks 31st. Earnings contributes the most (93/100, 1.83%); loan quality contributes the least (74/100, 0.78%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 4 points (86 → 82), mostly because the earnings component weakened by 7 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 82 |
| Q3 2024 | 83 |
| Q4 2024 | 80 |
| Q1 2025 | 82 |
| Q2 2025 | 86 |
| Q3 2025 | 88 |
| Q4 2025 | 86 |
| Q1 2026 | 81 |
| Q2 2026 | 82 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 11.23% |
| Q3 2024 | 12.38% |
| Q4 2024 | 11.97% |
| Q1 2025 | 12.67% |
| Q2 2025 | 13.14% |
| Q3 2025 | 14.32% |
| Q4 2025 | 13.62% |
| Q1 2026 | 12.92% |
| Q2 2026 | 12.78% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.53% |
| Q3 2024 | 0.69% |
| Q4 2024 | 0.79% |
| Q1 2025 | 0.89% |
| Q2 2025 | 0.60% |
| Q3 2025 | 0.63% |
| Q4 2025 | 0.57% |
| Q1 2026 | 0.83% |
| Q2 2026 | 0.78% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.98% |
| Q3 2024 | 1.96% |
| Q4 2024 | 1.90% |
| Q1 2025 | 2.06% |
| Q2 2025 | 2.16% |
| Q3 2025 | 2.17% |
| Q4 2025 | 2.11% |
| Q1 2026 | 1.79% |
| Q2 2026 | 1.83% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 82 | $203.2M | 12.78% | 0.78% | 1.83% | 76.5% |
| Q1 2026 | 81 | $205.5M | 12.92% | 0.83% | 1.79% | 73.1% |
| Q4 2025 | 86 | $186.2M | 13.62% | 0.57% | 2.11% | 83.0% |
| Q3 2025 | 88 | $179.9M | 14.32% | 0.63% | 2.17% | 79.8% |
| Q2 2025 | 86 | $184.4M | 13.14% | 0.60% | 2.16% | 77.4% |
| Q1 2025 | 82 | $188.9M | 12.67% | 0.89% | 2.06% | 75.2% |
| Q4 2024 | 80 | $186.6M | 11.97% | 0.79% | 1.90% | 74.6% |
| Q3 2024 | 83 | $197.0M | 12.38% | 0.69% | 1.96% | 71.0% |
| Q2 2024 | 82 | $203.6M | 11.23% | 0.53% | 1.98% | 66.9% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Oklahoma
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Oklahoma Bank and Trust CompanyBank Clinton, OK | 82 out of 100, Strong | $202.3M | 14.1% | 0.61% | vs |
| Oklahoma Capital BankBank Tulsa, OK | 69 out of 100, Moderate | $196.3M | 10.4% | 0.30% | vs |
| The Seiling State BankBank Seiling, OK | 79 out of 100, Strong | $195.0M | 10.5% | 0.00% | vs |
| The Farmers State BankBank Quinton, OK | 70 out of 100, Strong | $193.9M | 9.3% | 0.79% | vs |
| The Bank of the WestBank Thomas, OK | 62 out of 100, Moderate | $192.4M | 10.5% | 2.22% | vs |
| The First National Bank and Trust Company of MiamiBank Miami, OK | 82 out of 100, Strong | $191.4M | 13.4% | 0.60% | vs |
Deposit insurance
Is my money safe at Bank of Commerce?
Yes. Bank of Commerce is an FDIC-insured institution (FDIC certificate #13274). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 18.4% of deposits ($32.1M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 12.78%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 19.30% (benchmark: 10%).
6 locations
Branches
Bank of Commerce lists 6 offices in 6 cities. Most locations:
- Adair, OK (1)
- Catoosa, OK (1)
- Chelsea, OK (1)
- Claremore, OK (1)
- Pryor, OK (1)
- Tulsa, OK (1)
HMDA 2025
Mortgage lending
In 2025, Bank of Commerce reported 77 home-loan applications under HMDA (LEI 549300UBGRF9FQB7X471): 42 originated ($5,230,000 total), 12 denied, and 23 withdrawn or closed by the applicant. Its denial rate on decided applications was 22.2%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Bank of Commerce
- Former names
- Bank of Chelsea
- Type
- State-chartered bank (Fed member)
- FDIC certificate #
- 13274
- RSSD ID
- 152057
- Primary regulator
- FED
- Holding company
- Commerce Bancshares Inc
- Established
- March 23, 1896
- Headquarters
- 322 W 6th St, Chelsea, OK 74016
- Website
- www.bankboc.com
- Employees
- 61
Quick answers
Bank of Commerce: common questions
Is Bank of Commerce FDIC insured?
Yes. Bank of Commerce is an FDIC-insured institution (FDIC certificate #13274). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Bank of Commerce's TellerScore?
82 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Bank of Commerce ever failed?
There is no failure record for FDIC certificate #13274 in the FDIC failed bank list.
How many branches does Bank of Commerce have?
6 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Chelsea
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First Bank of OwassoBank Owasso, OK | 93 out of 100, Very strong | $639.3M | 15.7% | 0.01% | vs |
| International Bank of CommerceBank Oklahoma City, OK | 88 out of 100, Very strong | $1.6B | 15.5% | 0.66% | vs |
| Tinker Federal Credit UnionCredit union Oklahoma City, OK | 83 out of 100, Strong | $6.1B | 14.7% | 0.63% | vs |
| Oklahoma'S Federal Credit UnionCredit union Oklahoma City, OK | 77 out of 100, Strong | $954.5M | 12.6% | 0.25% | vs |
| Welch State Bank of Welch, Okla.Bank Welch, OK | 76 out of 100, Strong | $449.8M | 10.2% | 0.36% | vs |
| American Airlines Federal Credit UnionCredit union Fort Worth, TX | 75 out of 100, Strong | $9.5B | 11.7% | 0.60% | vs |