Bank of Commerce


201-207 Main Street
Chouteau, OK 74337
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Notable Rates APY Vs.Others
Savings N.A. 0.85% →
1-Year CD N.A. 0.75% →
2-Year CD N.A. 0.80% →
5-Year CD N.A. 1.25% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Bank Information

Bank of Commerce is an FDIC insured institution located in Chouteau, OK. It was founded in 1968 and has approximately $0.04 billion in assets.

FDIC Insured Yes
FDIC Certificate # 19829
Date Established 1968
Assets $ 44.43 million
Loans $ 16.89 million
Deposits $ 40.73 million
Capital $ 3.58 million

For a more detailed analysis of Bank of Commerce's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - October 21, 2021

Your Current Location: Connecticut, CT 06828


Loan Rates - October 21, 2021

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for Bank of Commerce

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Connecticut 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Monthly
Learn More
NMLS ID: 2890
License#: 13256
2.813% 2.750%
0.88 points
$2,035 fees
$1,021 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR 2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
More Info
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
2.240 %
$0 Learn More
More Info

Note to Bank of Commerce
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Financial Details

Bank of Commerce Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Bank of Commerce. The data is provided by the FDIC. All banks listed on are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Bank of Commerce U.S. Bank Average
0% 4.78%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of June 30, 2021, Bank of Commerce had $0 in non-current loans and $0 in owned real estate. To cover these potential losses it had $3,575,000 in equity and $241,000 in loans loss reserves. That gives it a Texas Ratio of 0%.

Return on Equity
Bank of Commerce U.S. Bank Average
9.07% 11.29%

Bank of Commerce has a Return on Equity of 9.07% versus the BestCashCow average of 11.29%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Bank of Commerce U.S. Bank Average
8.05% 11.72%

Bank of Commerce has a Capitalization of 8.05% versus the BestCashCow average of 11.72. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Bank of Commerce Balance Sheet Analysis

As of June 30, 2021, Bank of Commerce had assets of $44,430,000, loans of $16,885,000, and deposits of $40,728,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

June 30, 2021
Cash & Balances due from depository institutions $ 15.58 million
Interest-bearing balances $ 14.17 million
Total securities $ 9.77 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 16.89 million
Loan loss allowance $ 0.24 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles N.A.
All other assets $ 1.36 million
     Total Assets $ 40.86 million
Total deposits $ 40.73 million
      Interest-bearing deposits $ 27.59 million
      Deposits held in domestic offices $ 40.73 million
      % insured (estimated) 83.28%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities $ 0.13 million
      Total Liabilities $ 40.86 million
      Shareholders’ Equity $ 3.58 million

Summary Income Statement

June 30, 2021
Total Interest Income $ 0.77 million
Total Interest Expense $ 0.03 million
Net interest income $ 0.75 million
Provision for loan and lease losses $ 0.01 million
Total non interest income $ 0.10 million
Total non interest expense $ 0.68 million
Pre-tax Net Operating Income $ 0.16 million

Bank Loan Profile?

The top three loan types in Bank of Commerce’s loan portfolio are 1-4 Family Residential Loans, Commercial and Industrial Loans, and Small Business Loans.

Compared to other banks, Bank of Commerce’s loan portfolio does not show any specific loan specialty.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 32.54
Credit Card Loans 0.00
Consumer Auto Loans 4.04
Small Business Loans 14.63
Construction and Development Loans 7.66
Commercial Real Estate 14.63
Commercial and Industrial Loans 18.49
Farm Loans 14.42

Frequently Asked Questions About Bank Of Commerce

Branches and Savings

Is Bank Of Commerce FDIC insured?

Yes. It is covered under FDIC Certificate #19829.

Why does Bank Of Commerce pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Bank Of Commerce CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Bank Of Commerce a commercial bank?


Where are Bank Of Commerce locations?

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Is Bank Of Commerce open on Saturdays?

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Do Bank Of Commerce checks expire?

Does Bank Of Commerce require US citizenship to open account?

Can Bank Of Commerce close my account?

Does Bank Of Commerce Report to credit bureaus?

Does Bank Of Commerce Use Equifax?

What is Bank Of Commerce's ACH Routing Number?

What is Bank Of Commerce's SWIFT code?


Does Bank Of Commerce offer mortgages?

Compare mortgage rates here.

Does Bank Of Commerce offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Bank Of Commerce offer personal loans?

Compare personal loan rates here.

Does Bank Of Commerce offer student loans?

Will Bank Of Commerce cash a check?

Will Bank Of Commerce redeem a savings bond?

Does Bank Of Commerce cash savings bonds?

Will Bank Of Commerce cash money orders?

Can Bank Of Commerce issue a money order?

Does Bank Of Commerce do currency exchange?

Background on The Bank

Who owns Bank Of Commerce?

How long has Bank Of Commerce been around?

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Does Bank Of Commerce have quick pay?

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