TellerScore

Bank of Commerce is a state-chartered bank (fed member) headquartered in Chanute, Kansas, in business for about 41 years. At the end of Q2 2026 it reported $497.5M in total assets and $439.3M in deposits, with 15 offices.

Based on its Q2 2026 filing, Bank of Commerce scores 74/100, which we describe as strong. That is higher than 57% of 2,650 banks with $100 million – $1 billion. Among 185 banks headquartered in Kansas, it ranks 99th. Its strongest component is problem-loan coverage (99/100; 0.3%), and its lowest is capital cushion (42/100; 9.19%).

TellerScore · Q2 2026

Scorecard

Capital cushion42/100
Tier 1 leverage ratio: 9.19%
Loan quality98/100
Noncurrent loans ÷ total loans: 0.05%
Earnings78/100
Return on assets (annualized): 1.46%
Funding & liquidity74/100
Loans ÷ deposits and uninsured-deposit share: 75.2% · 25.4% uninsured
Problem-loan coverage99/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.33%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (73 → 74).

TellerScore
707274Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202470
Q3 202471
Q4 202471
Q1 202573
Q2 202573
Q3 202574
Q4 202573
Q1 202674
Q2 202674
Tier 1 leverage ratio
5.00%7.19%9.37%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20248.95%
Q3 20249.09%
Q4 20249.16%
Q1 20259.11%
Q2 20259.15%
Q3 20259.37%
Q4 20259.27%
Q1 20269.19%
Q2 20269.19%
Noncurrent loans
0.00%0.03%0.06%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.05%
Q3 20240.06%
Q4 20240.05%
Q1 20250.05%
Q2 20250.05%
Q3 20250.00%
Q4 20250.00%
Q1 20260.01%
Q2 20260.05%
Return on assets
1.10%1.28%1.46%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.10%
Q3 20241.11%
Q4 20241.12%
Q1 20251.33%
Q2 20251.30%
Q3 20251.31%
Q4 20251.26%
Q1 20261.32%
Q2 20261.46%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202674$497.5M9.19%0.05%1.46%75.2%
Q1 202674$500.7M9.19%0.01%1.32%73.5%
Q4 202573$484.2M9.27%0.00%1.26%73.5%
Q3 202574$464.6M9.37%0.00%1.31%74.3%
Q2 202573$469.5M9.15%0.05%1.30%75.1%
Q1 202573$470.3M9.11%0.05%1.33%73.3%
Q4 202471$454.6M9.16%0.05%1.12%72.9%
Q3 202471$442.7M9.09%0.06%1.11%75.4%
Q2 202470$450.2M8.95%0.05%1.10%73.6%

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).

Capital ratio9.19%
15th
Total risk-based capital14.92%
68th
Problem loans0.05%
78th
Net charge-offs-0.00%
80th
Return on assets1.46%
63rd
Net interest margin3.70%
37th
Efficiency ratio62.3%
50th
Loans to deposits75.2%
60th
Uninsured deposits25.4%
45th
Loan-loss reserves1.17%
48th
Texas ratio0.3%
80th

Similar-size banks in Kansas

InstitutionScoreAssetsCapitalProblem loansCompare
The First State BankBank Norton, KS90 out of 100, Very strong$493.2M13.1%0.10%vs
Southwest National BankBank Wichita, KS70 out of 100, Strong$502.1M10.3%0.08%vs
Cornerstone BankBank Overland Park, KS68 out of 100, Moderate$504.9M9.2%0.05%vs
Great American BankBank Lawrence, KS80 out of 100, Strong$513.2M11.0%0.00%vs
First State Bank and TrustBank Tonganoxie, KS66 out of 100, Moderate$514.9M8.6%0.48%vs
Solutions North BankBank Stockton, KS77 out of 100, Strong$469.5M10.9%0.28%vs

Deposit insurance

Is my money safe at Bank of Commerce?

Yes. Bank of Commerce is an FDIC-insured institution (FDIC certificate #26217). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 25.4% of deposits ($111.4M) are above the $250,000 FDIC insurance limit, close to the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.19%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.92% (benchmark: 10%).

Check how much of your own balance is covered

15 locations

Branches

Bank of Commerce lists 13 offices in 13 cities. Most locations:

  • Burden, KS (1)
  • Chanute, KS (1)
  • Chetopa, KS (1)
  • Erie, KS (1)
  • Fall River, KS (1)
  • Gas, KS (1)
  • Howard, KS (1)
  • Longton, KS (1)
  • Neodesha, KS (1)
  • Oxford, KS (1)
  • Parsons, KS (1)
  • Thayer, KS (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Bank of Commerce reported 162 home-loan applications under HMDA (LEI 254900R7H27ZMB7IRC26): 134 originated ($22,970,000 total), 19 denied, and 3 withdrawn or closed by the applicant. Its denial rate on decided applications was 11.9%, 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
Type
State-chartered bank (Fed member)
FDIC certificate #
26217
RSSD ID
862057
Primary regulator
FED
Holding company
Southeast Bancshares Inc
Established
May 2, 1985
Headquarters
101 W Main St, Chanute, KS 66720
Employees
101

Quick answers

Bank of Commerce: common questions

Is Bank of Commerce FDIC insured?

Yes. Bank of Commerce is an FDIC-insured institution (FDIC certificate #26217). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Bank of Commerce's TellerScore?

74 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 #26217 in the FDIC failed bank list.

How many branches does Bank of Commerce have?

15 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Chanute

InstitutionScoreAssetsCapitalProblem loansCompare
First National Bank in FredoniaBank Fredonia, KS87 out of 100, Very strong$104.4M16.7%0.63%vs
Home Savings BankBank Chanute, KS86 out of 100, Very strong$115.1M16.7%0.12%vs
Exchange State BankBank Saint Paul, KS84 out of 100, Strong$105.0M11.6%0.00%vs
GNBank, National AssociationBank Girard, KS80 out of 100, Strong$1.1B11.6%0.13%vs
FirstOak BankBank Independence, KS75 out of 100, Strong$241.2M10.5%0.00%vs
Great Southern BankBank Reeds Spring, MO73 out of 100, Strong$5.5B11.3%0.02%vs