Bank of Commerce and Trust Company (FDIC certificate #4796) is based in Wellington, Kansas. Its Q2 2026 call report shows $112.8M in total assets and $104.4M in deposits and 3 offices.
Based on its Q2 2026 filing, Bank of Commerce and Trust Company scores 56/100, which we describe as moderate. That is higher than only 13% of 2,650 banks with $100 million – $1 billion. Among 185 banks headquartered in Kansas, it ranks 173rd. Its strongest component is funding & liquidity (84/100; 45% loans-to-deposits, 30% uninsured), and its lowest is capital cushion (38/100; 8.84%).
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 6 points (50 → 56), mostly because the loan quality component improved by 26 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 55 |
| Q3 2024 | 57 |
| Q4 2024 | 55 |
| Q1 2025 | 45 |
| Q2 2025 | 50 |
| Q3 2025 | 44 |
| Q4 2025 | 48 |
| Q1 2026 | 48 |
| Q2 2026 | 56 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 8.23% |
| Q3 2024 | 8.30% |
| Q4 2024 | 8.81% |
| Q1 2025 | 8.62% |
| Q2 2025 | 8.75% |
| Q3 2025 | 9.13% |
| Q4 2025 | 8.83% |
| Q1 2026 | 8.58% |
| Q2 2026 | 8.84% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 1.12% |
| Q3 2024 | 0.98% |
| Q4 2024 | 1.23% |
| Q1 2025 | 2.23% |
| Q2 2025 | 1.94% |
| Q3 2025 | 2.66% |
| Q4 2025 | 1.98% |
| Q1 2026 | 1.93% |
| Q2 2026 | 1.17% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.67% |
| Q3 2024 | 0.65% |
| Q4 2024 | 0.61% |
| Q1 2025 | 0.68% |
| Q2 2025 | 0.87% |
| Q3 2025 | 0.73% |
| Q4 2025 | 0.68% |
| Q1 2026 | 0.57% |
| Q2 2026 | 0.70% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 56 | $112.8M | 8.84% | 1.17% | 0.70% | 45.0% |
| Q1 2026 | 48 | $112.6M | 8.58% | 1.93% | 0.57% | 45.9% |
| Q4 2025 | 48 | $116.0M | 8.83% | 1.98% | 0.68% | 45.8% |
| Q3 2025 | 44 | $107.0M | 9.13% | 2.66% | 0.73% | 50.8% |
| Q2 2025 | 50 | $105.9M | 8.75% | 1.94% | 0.87% | 50.3% |
| Q1 2025 | 45 | $110.8M | 8.62% | 2.23% | 0.68% | 49.9% |
| Q4 2024 | 55 | $111.5M | 8.81% | 1.23% | 0.61% | 50.0% |
| Q3 2024 | 57 | $107.6M | 8.30% | 0.98% | 0.65% | 51.9% |
| Q2 2024 | 55 | $115.0M | 8.23% | 1.12% | 0.67% | 47.6% |
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).
Similar-size banks in Kansas
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Home Savings BankBank Chanute, KS | 86 out of 100, Very strong | $115.1M | 16.7% | 0.12% | vs |
| The Lyndon State BankBank Lyndon, KS | 71 out of 100, Strong | $115.1M | 9.5% | 0.28% | vs |
| The Baldwin State BankBank Baldwin City, KS | 75 out of 100, Strong | $115.5M | 10.1% | 0.04% | vs |
| First Federal Savings and Loan BankBank Olathe, KS | 74 out of 100, Strong | $109.5M | 12.3% | 1.28% | vs |
| The First State Bank of HealyBank Healy, KS | 82 out of 100, Strong | $108.8M | 16.8% | 0.89% | vs |
| First National Bank of KansasBank Burlington, KS | 67 out of 100, Moderate | $105.6M | 9.1% | 0.14% | vs |
Deposit insurance
Is my money safe at Bank of Commerce and Trust Company?
Yes. Bank of Commerce and Trust Company is an FDIC-insured institution (FDIC certificate #4796). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 29.6% of deposits ($30.9M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 8.84%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 19.85% (benchmark: 10%).
3 locations
Branches
Bank of Commerce and Trust Company lists 3 offices in 3 cities. Most locations:
- Anthony, KS (1)
- Harper, KS (1)
- Wellington, KS (1)
HMDA 2025
Mortgage lending
In 2025, Bank of Commerce and Trust Company reported 41 home-loan applications under HMDA (LEI 549300HO7BEGRS02VS53): 37 originated ($3,485,000 total), 2 denied, and 2 withdrawn or closed by the applicant. Its denial rate on decided applications was 5.1%, 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 and Trust Company
- Former names
- The National Bank of Commerce of Wellington
- Type
- State-chartered bank
- FDIC certificate #
- 4796
- RSSD ID
- 431350
- Primary regulator
- FDIC
- Holding company
- Tri-County Financial Corp
- Established
- October 6, 1906
- Headquarters
- 201 W Harvey Ave, Wellington, KS 67152
- Website
- www.bankofcommerce.ws
- Employees
- 23
Quick answers
Bank of Commerce and Trust Company: common questions
Is Bank of Commerce and Trust Company FDIC insured?
Yes. Bank of Commerce and Trust Company is an FDIC-insured institution (FDIC certificate #4796). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Bank of Commerce and Trust Company's TellerScore?
56 out of 100 (Moderate), 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 and Trust Company ever failed?
There is no failure record for FDIC certificate #4796 in the FDIC failed bank list.
How many branches does Bank of Commerce and Trust Company have?
3 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Wellington
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Impact BankBank Wellington, KS | 80 out of 100, Strong | $167.2M | 10.6% | 0.03% | vs |
| The Security State BankBank Wellington, KS | 79 out of 100, Strong | $55.1M | 15.6% | 1.44% | vs |
| The Valley State BankBank Belle Plaine, KS | 78 out of 100, Strong | $200.5M | 12.2% | 0.09% | vs |
| Vintage Bank KansasBank Leon, KS | 78 out of 100, Strong | $288.6M | 11.6% | 0.53% | vs |
| Union State BankBank Arkansas City, KS | 76 out of 100, Strong | $719.1M | 10.2% | 0.19% | vs |
| Commerce BankBank Kansas City, MO | 76 out of 100, Strong | $35.0B | 11.4% | 0.17% | vs |