Bank of Commerce & Trust Co.: how it compares with its peers
Against 52 LA banks with half to twice its assets, Bank of Commerce & Trust Co.'s strongest measure in Q2 2026 is assets per employee ($5.6M vs. a $5.9M peer median). Its weakest relative measure is net interest margin (2.34% vs. 4.38%).
| Measure | Bank of Commerce & Trust Co. | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.32% | 1.30% | Bottom third Ahead of 6% of peers |
| Net interest margin Annualized net interest income over earning assets. | 2.34% | 4.38% | Bottom third Ahead of 2% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 84.62% | 64.48% | Bottom third Ahead of 10% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.6M | $5.9M | Middle third Ahead of 37% of peers |
| Loans to deposits Net loans and leases over total deposits. | 29.57% | 82.02% | Context |
What it means for lending operations
Its efficiency ratio of 84.62% is above the 64.48% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- City Bank & Trust Co. Natchitoches, LA · $382M
- American Bank Covington, LA · $367M
- Southern Heritage Bank Jonesville, LA · $398M
- Bank of St. Francisville Saint Francisville, LA · $399M
- CLB The Community Bank Jonesville, LA · $351M
Questions about Bank of Commerce & Trust Co.
How big is Bank of Commerce & Trust Co.?
Bank of Commerce & Trust Co., established in 1926, is headquartered in Crowley, LA. It reported $378M in total assets in its Q2 2026 FDIC call report and operates 5 offices.
What is Bank of Commerce & Trust Co.'s return on assets?
0.32% annualized in Q2 2026, against a 1.30% median for 52 LA banks with half to twice its assets, ahead of 6% of them.
What is Bank of Commerce & Trust Co.'s efficiency ratio?
84.62% in Q2 2026: it spent about 85 cents in noninterest expense for each dollar of revenue. The peer median is 64.48%, and lower is better.
Is Bank of Commerce & Trust Co. growing its loans?
Net loans grew 6.0% over the year to Q2 2026, while deposits grew 3.1%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are LA banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Louisiana bank ranked.