Bank of Commerce and Trust Company: how it compares with its peers
Against 76 KS banks with half to twice its assets, Bank of Commerce and Trust Company's strongest measure in Q2 2026 is efficiency ratio (75.06% vs. a 58.84% peer median). Its weakest relative measure is return on assets (0.70% vs. 1.39%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.70% | 1.39% | Bottom third Ahead of 5% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.28% | 3.96% | Bottom third Ahead of 11% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 75.06% | 58.84% | Bottom third Ahead of 12% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $4.9M | $7.2M | Bottom third Ahead of 12% of peers |
| Loans to deposits Net loans and leases over total deposits. | 45.01% | 74.23% | Context |
What it means for lending operations
Its efficiency ratio of 75.06% is above the 58.84% 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
- Home Savings Bank Chanute, KS · $115M
- The Lyndon State Bank Lyndon, KS · $115M
- The Baldwin State Bank Baldwin City, KS · $116M
- First Federal Savings and Loan Bank Olathe, KS · $109M
- The First State Bank of Healy Healy, KS · $109M
- First National Bank of Kansas Burlington, KS · $106M
Questions about Bank of Commerce and Trust Company
How big is Bank of Commerce and Trust Company?
Bank of Commerce and Trust Company, established in 1906, is headquartered in Wellington, KS. It reported $113M in total assets in its Q2 2026 FDIC call report and operates 3 offices.
What is Bank of Commerce and Trust Company's return on assets?
0.70% annualized in Q2 2026, against a 1.39% median for 76 KS banks with half to twice its assets, ahead of 5% of them.
What is Bank of Commerce and Trust Company's efficiency ratio?
75.06% in Q2 2026: it spent about 75 cents in noninterest expense for each dollar of revenue. The peer median is 58.84%, and lower is better.
Is Bank of Commerce and Trust Company growing its loans?
Net loans shrank 5.3% over the year to Q2 2026, while deposits grew 5.8%.
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 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.