The Bank of Commerce: how it compares with its peers
Against 625 U.S. banks with half to twice its assets, The Bank of Commerce's strongest measure in Q2 2026 is efficiency ratio (33.37% vs. a 59.69% peer median). Its weakest relative measure is assets per employee ($10.5M vs. $8.4M).
| Measure | The Bank of Commerce | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 2.13% | 1.24% | Top third Ahead of 92% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.67% | 3.70% | Top third Ahead of 91% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 33.37% | 59.69% | Top third Ahead of 96% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $10.5M | $8.4M | Top third Ahead of 70% of peers |
| Loans to deposits Net loans and leases over total deposits. | 89.97% | 86.20% | Context |
What it means for lending operations
Its efficiency ratio of 33.37% is better than the 59.69% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Texas First Bank Texas City, TX · $2.35B
- Luana Savings Bank Luana, IA · $2.34B
- Pioneer Bank, National Association Albany, NY · $2.34B
- Bank Iowa West Des Moines, IA · $2.35B
- Farmers and Merchants Trust Company of Chambersburg Chambersburg, PA · $2.34B
- First Bank of the Lake Osage Beach, MO · $2.34B
Questions about The Bank of Commerce
How big is The Bank of Commerce?
The Bank of Commerce, established in 1959, is headquartered in Ammon, ID. It reported $2.34B in total assets in its Q2 2026 FDIC call report and operates 17 offices.
What is The Bank of Commerce's return on assets?
2.13% annualized in Q2 2026, against a 1.24% median for 625 U.S. banks with half to twice its assets, ahead of 92% of them.
What is The Bank of Commerce's efficiency ratio?
33.37% in Q2 2026: it spent about 33 cents in noninterest expense for each dollar of revenue. The peer median is 59.69%, and lower is better.
Is The Bank of Commerce growing its loans?
Net loans grew 15.3% over the year to Q2 2026, while deposits grew 6.9%.
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 U.S. 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 Idaho bank ranked.