BOC Bank (FDIC certificate #25328) is based in Mclean, Texas. Its Q2 2026 call report shows $203.4M in total assets and $176.7M in deposits and 4 offices.
Based on its Q2 2026 filing, BOC Bank scores 81/100, which we describe as strong. That is higher than 80% of 2,650 banks with $100 million – $1 billion. Among 349 banks headquartered in Texas, it ranks 86th. Its strongest component is loan quality (100/100; 0.00%), and its lowest is funding & liquidity (27/100; 85% loans-to-deposits, 58% uninsured).
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 (78 → 81), mostly because the capital cushion component improved by 11 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 68 |
| Q3 2024 | 68 |
| Q4 2024 | 69 |
| Q1 2025 | 74 |
| Q2 2025 | 78 |
| Q3 2025 | 82 |
| Q4 2025 | 73 |
| Q1 2026 | 75 |
| Q2 2026 | 81 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.47% |
| Q3 2024 | 10.04% |
| Q4 2024 | 10.06% |
| Q1 2025 | 10.40% |
| Q2 2025 | 11.28% |
| Q3 2025 | 12.46% |
| Q4 2025 | 11.07% |
| Q1 2026 | 10.08% |
| Q2 2026 | 12.41% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 0.00% |
| Q4 2024 | 0.00% |
| Q1 2025 | 0.00% |
| Q2 2025 | 0.00% |
| Q3 2025 | 0.00% |
| Q4 2025 | 0.00% |
| Q1 2026 | 0.00% |
| Q2 2026 | 0.00% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.82% |
| Q3 2024 | 0.95% |
| Q4 2024 | 1.23% |
| Q1 2025 | 1.70% |
| Q2 2025 | 1.96% |
| Q3 2025 | 1.97% |
| Q4 2025 | 1.40% |
| Q1 2026 | 2.18% |
| Q2 2026 | 1.99% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 81 | $203.4M | 12.41% | 0.00% | 1.99% | 84.6% |
| Q1 2026 | 75 | $214.7M | 10.08% | 0.00% | 2.18% | 77.6% |
| Q4 2025 | 73 | $211.6M | 11.07% | 0.00% | 1.40% | 83.3% |
| Q3 2025 | 82 | $217.4M | 12.46% | 0.00% | 1.97% | 77.5% |
| Q2 2025 | 78 | $195.5M | 11.28% | 0.00% | 1.96% | 85.2% |
| Q1 2025 | 74 | $211.7M | 10.40% | 0.00% | 1.70% | 77.4% |
| Q4 2024 | 69 | $210.8M | 10.06% | 0.00% | 1.23% | 83.2% |
| Q3 2024 | 68 | $223.0M | 10.04% | 0.00% | 0.95% | 68.9% |
| Q2 2024 | 68 | $201.0M | 10.47% | 0.00% | 0.82% | 77.7% |
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 Texas
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Lone Star BankBank Houston, TX | 77 out of 100, Strong | $202.3M | 12.7% | 0.29% | vs |
| The First National Bank of EvantBank Evant, TX | 78 out of 100, Strong | $199.4M | 9.8% | 0.38% | vs |
| Farmers State BankBank Groesbeck, TX | 79 out of 100, Strong | $196.0M | 9.4% | 0.04% | vs |
| The Community BankBank Bridgeport, TX | 62 out of 100, Moderate | $211.8M | 10.6% | 1.64% | vs |
| First State Bank of OdemBank Odem, TX | 95 out of 100, Very strong | $212.6M | 14.4% | 0.00% | vs |
| The Perryton National BankBank Perryton, TX | 88 out of 100, Very strong | $212.7M | 16.4% | 0.36% | vs |
Deposit insurance
Is my money safe at BOC Bank?
Yes. BOC Bank is an FDIC-insured institution (FDIC certificate #25328). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 58.5% of deposits ($103.3M) 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 12.41%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 17.27% (benchmark: 10%).
4 locations
Branches
BOC Bank lists 4 offices in 4 cities. Most locations:
- Amarillo, TX (1)
- Mclean, TX (1)
- Miami, TX (1)
- Shamrock, TX (1)
Identity & history
Profile
- Legal name
- BOC Bank
- Former names
- Bank of Commerce; McLean Bank of Commerce
- Type
- State-chartered bank (Fed member)
- FDIC certificate #
- 25328
- RSSD ID
- 352651
- Primary regulator
- FED
- Established
- August 16, 1984
- Headquarters
- 201 N Main St, Mclean, TX 79057
- Website
- www.bocbanking.com
- Employees
- 27
Quick answers
BOC Bank: common questions
Is BOC Bank FDIC insured?
Yes. BOC Bank is an FDIC-insured institution (FDIC certificate #25328). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is BOC Bank's TellerScore?
81 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 BOC Bank ever failed?
There is no failure record for FDIC certificate #25328 in the FDIC failed bank list.
How many branches does BOC Bank have?
4 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Mclean
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Pantex Federal Credit UnionCredit union Borger, TX | 90 out of 100, Very strong | $233.4M | 22.3% | 0.69% | vs |
| Cabot Community Credit UnionCredit union Pampa, TX | 84 out of 100, Strong | $45.3M | 15.9% | 1.16% | vs |
| Skel-Tex Credit UnionCredit union Skellytown, TX | 83 out of 100, Strong | $6.2M | 21.5% | 0.64% | vs |
| Centennial BankBank Conway, AR | 79 out of 100, Strong | $24.6B | 12.6% | 0.55% | vs |
| Lefors Federal Credit UnionCredit union Lefors, TX | 75 out of 100, Strong | $3.0M | 23.2% | 1.12% | vs |
| Pampa Municipal Credit UnionCredit union Pampa, TX | 68 out of 100, Moderate | $5.4M | 14.1% | 1.63% | vs |