Bank of Commerce: how it compares with its peers
Against 59 KS banks with half to twice its assets, Bank of Commerce's strongest measure in Q2 2026 is return on assets (1.46% vs. a 1.53% peer median). Its weakest relative measure is assets per employee ($4.9M vs. $6.6M).
| Measure | Bank of Commerce | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.46% | 1.53% | Middle third Ahead of 42% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.70% | 4.06% | Bottom third Ahead of 29% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 62.28% | 58.27% | Middle third Ahead of 34% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $4.9M | $6.6M | Bottom third Ahead of 7% of peers |
| Loans to deposits Net loans and leases over total deposits. | 75.19% | 77.38% | Context |
What it means for lending operations
Its efficiency ratio of 62.28% is above the 58.27% 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
- The First State Bank Norton, KS · $493M
- Southwest National Bank Wichita, KS · $502M
- Cornerstone Bank Overland Park, KS · $505M
- Great American Bank Lawrence, KS · $513M
- First State Bank and Trust Tonganoxie, KS · $515M
- SOLUTIONS NORTH BANK Stockton, KS · $469M
Questions about Bank of Commerce
How big is Bank of Commerce?
Bank of Commerce, established in 1985, is headquartered in Chanute, KS. It reported $497M in total assets in its Q2 2026 FDIC call report and operates 15 offices.
What is Bank of Commerce's return on assets?
1.46% annualized in Q2 2026, against a 1.53% median for 59 KS banks with half to twice its assets, ahead of 42% of them.
What is Bank of Commerce's efficiency ratio?
62.28% in Q2 2026: it spent about 62 cents in noninterest expense for each dollar of revenue. The peer median is 58.27%, and lower is better.
Is Bank of Commerce growing its loans?
Net loans grew 5.6% over the year to Q2 2026, while deposits grew 5.4%.
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 KS 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 Kansas bank ranked.