Headquartered in Duncan, Oklahoma, Bank of Commerce is a state-chartered bank with $334.0M in total assets and $294.0M in deposits as of Q2 2026. It operates 6 offices. Its charter dates back to 2002.
Based on its Q2 2026 filing, Bank of Commerce scores 46/100, which we describe as below average. That is higher than only 5% of 2,650 banks with $100 million – $1 billion. Among 170 banks headquartered in Oklahoma, it ranks 153rd. Its strongest component is funding & liquidity (74/100; 76% loans-to-deposits, 25% uninsured), and its lowest is loan quality (24/100; 2.27%).
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 rose 3 points (43 → 46), mostly because the earnings component weakened by 13 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 60 |
| Q3 2024 | 60 |
| Q4 2024 | 43 |
| Q1 2025 | 34 |
| Q2 2025 | 43 |
| Q3 2025 | 43 |
| Q4 2025 | 52 |
| Q1 2026 | 50 |
| Q2 2026 | 46 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.66% |
| Q3 2024 | 9.75% |
| Q4 2024 | 9.16% |
| Q1 2025 | 9.71% |
| Q2 2025 | 10.05% |
| Q3 2025 | 10.25% |
| Q4 2025 | 10.05% |
| Q1 2026 | 10.22% |
| Q2 2026 | 10.54% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 1.20% |
| Q3 2024 | 1.16% |
| Q4 2024 | 2.50% |
| Q1 2025 | 2.94% |
| Q2 2025 | 2.56% |
| Q3 2025 | 2.76% |
| Q4 2025 | 1.72% |
| Q1 2026 | 1.71% |
| Q2 2026 | 2.27% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.28% |
| Q3 2024 | 1.13% |
| Q4 2024 | 0.89% |
| Q1 2025 | 0.13% |
| Q2 2025 | 0.54% |
| Q3 2025 | 0.74% |
| Q4 2025 | 0.53% |
| Q1 2026 | 0.10% |
| Q2 2026 | 0.22% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 46 | $334.0M | 10.54% | 2.27% | 0.22% | 75.7% |
| Q1 2026 | 50 | $340.7M | 10.22% | 1.71% | 0.10% | 75.3% |
| Q4 2025 | 52 | $351.9M | 10.05% | 1.72% | 0.53% | 79.0% |
| Q3 2025 | 43 | $357.4M | 10.25% | 2.76% | 0.74% | 82.5% |
| Q2 2025 | 43 | $356.4M | 10.05% | 2.56% | 0.54% | 85.7% |
| Q1 2025 | 34 | $361.3M | 9.71% | 2.94% | 0.13% | 85.5% |
| Q4 2024 | 43 | $369.8M | 9.16% | 2.50% | 0.89% | 86.5% |
| Q3 2024 | 60 | $382.1M | 9.75% | 1.16% | 1.13% | 85.4% |
| Q2 2024 | 60 | $357.7M | 9.66% | 1.20% | 1.28% | 87.7% |
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 |
|---|---|---|---|---|---|
| The First Security BankBank Beaver, OK | 35 out of 100, Low | $335.0M | 8.3% | 2.34% | vs |
| High Plains BankBank Okeene, OK | 71 out of 100, Strong | $330.2M | 10.8% | 0.97% | vs |
| American Bank and Trust CompanyBank Tulsa, OK | 60 out of 100, Moderate | $324.4M | 15.3% | 6.26% | vs |
| Citizens Bank and Trust Company of ArdmoreBank Ardmore, OK | 78 out of 100, Strong | $318.8M | 10.6% | 0.00% | vs |
| Cowboy BankBank Kremlin, OK | 84 out of 100, Strong | $350.3M | 12.7% | 0.49% | vs |
| First Bethany Bank & TrustBank Bethany, OK | 71 out of 100, Strong | $316.8M | 9.1% | 0.18% | vs |
Deposit insurance
Is my money safe at Bank of Commerce?
Yes. Bank of Commerce is an FDIC-insured institution (FDIC certificate #57491). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 24.5% of deposits ($72.1M) 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 10.54%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
6 locations
Branches
Bank of Commerce lists 6 offices in 5 cities. Most locations:
- Anadarko, OK (2)
- Carnegie, OK (1)
- Chickasha, OK (1)
- Duncan, OK (1)
- Lawton, OK (1)
Identity & history
Profile
- Legal name
- Bank of Commerce
- Type
- State-chartered bank
- FDIC certificate #
- 57491
- RSSD ID
- 3134698
- Primary regulator
- FDIC
- Holding company
- Commerce Financial Co
- Established
- December 16, 2002
- Headquarters
- 1601 Commerce St, Duncan, OK 73533
- Website
- www.bocokonline.com
- Employees
- 76
Quick answers
Bank of Commerce: common questions
Is Bank of Commerce FDIC insured?
Yes. Bank of Commerce is an FDIC-insured institution (FDIC certificate #57491). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Bank of Commerce's TellerScore?
46 out of 100 (Below average), 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 #57491 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 Duncan
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Walters Bank and Trust CompanyBank Walters, OK | 99 out of 100, Very strong | $70.3M | 20.0% | 0.06% | vs |
| Comanche County Federal Credit UnionCredit union Lawton, OK | 96 out of 100, Very strong | $36.4M | 18.8% | 0.00% | vs |
| International Bank of CommerceBank Oklahoma City, OK | 88 out of 100, Very strong | $1.6B | 15.5% | 0.66% | vs |
| American Exchange Bank, Lindsay, OklahomaBank Lindsay, OK | 88 out of 100, Very strong | $97.4M | 11.8% | 0.00% | vs |
| Liberty National BankBank Lawton, OK | 84 out of 100, Strong | $1.3B | 10.3% | 0.02% | vs |
| The City National Bank and Trust Company of Lawton, OklahomaBank Lawton, OK | 83 out of 100, Strong | $446.2M | 13.9% | 0.45% | vs |