The Bank of Commerce (FDIC certificate #18059) is based in Ammon, Idaho. Its Q2 2026 call report shows $2.3B in total assets and $1.9B in deposits and 17 offices across 2 states.
The Bank of Commerce has a TellerScore of 78 out of 100 (strong) based on Q2 2026 data — higher than 86% of its 897 banks with $1 billion – $10 billion. Among 10 banks headquartered in Idaho, it ranks 3rd. Capital cushion contributes the most (100/100, 15.69%); funding & liquidity contributes the least (39/100, 90% loans-to-deposits, 43% 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 fell 11 points (89 → 78), mostly because the loan quality component weakened by 35 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 87 |
| Q3 2024 | 89 |
| Q4 2024 | 80 |
| Q1 2025 | 91 |
| Q2 2025 | 89 |
| Q3 2025 | 90 |
| Q4 2025 | 86 |
| Q1 2026 | 84 |
| Q2 2026 | 78 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 14.58% |
| Q3 2024 | 15.03% |
| Q4 2024 | 14.21% |
| Q1 2025 | 15.03% |
| Q2 2025 | 15.19% |
| Q3 2025 | 15.60% |
| Q4 2025 | 14.84% |
| Q1 2026 | 15.69% |
| Q2 2026 | 15.69% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.44% |
| Q3 2024 | 0.41% |
| Q4 2024 | 1.07% |
| Q1 2025 | 0.28% |
| Q2 2025 | 0.31% |
| Q3 2025 | 0.25% |
| Q4 2025 | 0.58% |
| Q1 2026 | 0.74% |
| Q2 2026 | 1.35% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 2.22% |
| Q3 2024 | 2.29% |
| Q4 2024 | 2.15% |
| Q1 2025 | 2.31% |
| Q2 2025 | 2.33% |
| Q3 2025 | 2.36% |
| Q4 2025 | 2.13% |
| Q1 2026 | 2.22% |
| Q2 2026 | 2.13% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 78 | $2.3B | 15.69% | 1.35% | 2.13% | 90.0% |
| Q1 2026 | 84 | $2.3B | 15.69% | 0.74% | 2.22% | 87.0% |
| Q4 2025 | 86 | $2.3B | 14.84% | 0.58% | 2.13% | 84.5% |
| Q3 2025 | 90 | $2.3B | 15.60% | 0.25% | 2.36% | 80.6% |
| Q2 2025 | 89 | $2.2B | 15.19% | 0.31% | 2.33% | 83.4% |
| Q1 2025 | 91 | $2.2B | 15.03% | 0.28% | 2.31% | 75.5% |
| Q4 2024 | 80 | $2.2B | 14.21% | 1.07% | 2.15% | 77.6% |
| Q3 2024 | 89 | $2.1B | 15.03% | 0.41% | 2.29% | 78.0% |
| Q2 2024 | 87 | $2.0B | 14.58% | 0.44% | 2.22% | 79.8% |
897 peers · $1 billion – $10 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 Idaho
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Northwest BankBank Boise, ID | 61 out of 100, Moderate | $1.5B | 16.6% | 3.79% | vs |
| First Federal Savings Bank of Twin FallsBank Twin Falls, ID | 76 out of 100, Strong | $1.4B | 10.4% | 0.01% | vs |
| Idaho First BankBank Mccall, ID | 71 out of 100, Strong | $1.4B | 10.5% | 0.05% | vs |
| D. L. Evans BankBank Burley, ID | 76 out of 100, Strong | $3.7B | 10.4% | 0.26% | vs |
Deposit insurance
Is my money safe at The Bank of Commerce?
Yes. The Bank of Commerce is an FDIC-insured institution (FDIC certificate #18059). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 43.4% of deposits ($839.5M) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 15.69%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 20.35% (benchmark: 10%).
17 locations
Branches
The Bank of Commerce lists 17 offices in 13 cities across 2 states. Most locations:
- Idaho Falls, ID (4)
- Rexburg, ID (2)
- American Falls, ID (1)
- Ammon, ID (1)
- Blackfoot, ID (1)
- Burley, ID (1)
- Dillon, MT (1)
- Driggs, ID (1)
- Pocatello, ID (1)
- Rigby, ID (1)
- Ririe, ID (1)
- Shelley, ID (1)
HMDA 2025
Mortgage lending
In 2025, The Bank of Commerce reported 155 home-loan applications under HMDA (LEI 549300ZYK1Z0EK2JC967): 115 originated ($54,865,000 total), 5 denied, and 34 withdrawn or closed by the applicant. Its denial rate on decided applications was 4.1%, 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
- The Bank of Commerce
- Type
- State-chartered bank
- FDIC certificate #
- 18059
- RSSD ID
- 324863
- Primary regulator
- FDIC
- Established
- August 1, 1959
- Headquarters
- 3113 S 25th E, Ammon, ID 83406
- Website
- www.bofc.bank
- Employees
- 224
Quick answers
The Bank of Commerce: common questions
Is The Bank of Commerce FDIC insured?
Yes. The Bank of Commerce is an FDIC-insured institution (FDIC certificate #18059). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The Bank of Commerce's TellerScore?
78 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 The Bank of Commerce ever failed?
There is no failure record for FDIC certificate #18059 in the FDIC failed bank list.
How many branches does The Bank of Commerce have?
17 offices as of the latest FDIC data, in 2 states.
Nearby
Highest-scoring banks and credit unions with branches near Ammon
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Members Preferred Credit UnionCredit union Idaho Falls, ID | 87 out of 100, Very strong | $62.9M | 20.7% | 1.01% | vs |
| D. L. Evans BankBank Burley, ID | 76 out of 100, Strong | $3.7B | 10.4% | 0.26% | vs |
| Glacier BankBank Kalispell, MT | 68 out of 100, Moderate | $31.6B | 10.1% | 0.42% | vs |
| Zions Bancorporation, N.A.Bank Salt Lake City, UT | 67 out of 100, Moderate | $89.0B | 9.4% | 0.47% | vs |
| KeyBank National AssociationBank Cleveland, OH | 63 out of 100, Moderate | $188.6B | 9.9% | 0.86% | vs |
| Idaho Central Credit UnionCredit union Chubbuck, ID | 62 out of 100, Moderate | $15.5B | 8.3% | 0.46% | vs |