The Bank of Commerce: how it compares with its peers
Against 19 LA banks with half to twice its assets, The Bank of Commerce's strongest measure in Q2 2026 is assets per employee ($5.4M vs. a $4.8M peer median). Its weakest relative measure is net interest margin (3.53% vs. 4.19%).
| Measure | The Bank of Commerce | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.91% | 1.10% | Middle third Ahead of 42% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.53% | 4.19% | Bottom third Ahead of 21% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 73.86% | 71.73% | Middle third Ahead of 42% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.4M | $4.8M | Middle third Ahead of 53% of peers |
| Loans to deposits Net loans and leases over total deposits. | 50.99% | 73.42% | Context |
What it means for lending operations
Its efficiency ratio of 73.86% is above the 71.73% 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
- Peoples Bank Chatham, LA · $86M
- Basile State Bank Basile, LA · $87M
- Eureka Homestead Metairie, LA · $89M
- Sicily Island State Bank Sicily Island, LA · $92M
- Bank of Gueydan Gueydan, LA · $69M
- Abbeville Building & Loan (A State-Chartered Savings Bank) Abbeville, LA · $68M
Questions about The Bank of Commerce
How big is The Bank of Commerce?
The Bank of Commerce, established in 1927, is headquartered in White Castle, LA. It reported $81M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is The Bank of Commerce's return on assets?
0.91% annualized in Q2 2026, against a 1.10% median for 19 LA banks with half to twice its assets, ahead of 42% of them.
What is The Bank of Commerce's efficiency ratio?
73.86% in Q2 2026: it spent about 74 cents in noninterest expense for each dollar of revenue. The peer median is 71.73%, and lower is better.
Is The Bank of Commerce growing its loans?
Net loans shrank 9.6% over the year to Q2 2026, while deposits grew 13.8%.
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.