# BANK OF COMMERCE
WHITE CASTLE, LA · FDIC certificate 1374 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $81.5M | |
| Deposits | $73.0M | |
| Loans and leases | $37.6M | |
| Total equity | $8.2M | |
| Loans / deposits | 50.99% (p20 of band) | 73.59% |
| Liquid assets / assets | 49.73% (p78 of band) | |
| Uninsured deposits / deposits | 40.23% (p93 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.63% (p34 of band) | 11.76% |
| Unrealized securities loss / equity | -10.10% (p40 of band) | -6.57% |
| AOCI / equity | -1.72% (p15 of band) | |
| ROA (annualized) | 0.91% (p35 of band) | 1.17% |
| Net interest margin | 3.53% (p30 of band) | 3.93% |
| Efficiency ratio | 73.86% (p68 of band) | |
| Noncurrent loans | 0.07% (p32 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | 1607.69% | |
| Real estate % of loans | 66% | |
| Construction % of loans | 82.26% (p90 of band) | |
| Auto loans | $315,000 (0.84% of loans; DQ 14.60%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 13.8% | |
| Employees | 15 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 1 | capital falling |  |
| 2012-06 | 1 | uninsured deposits leaving | capital falling |
| 2012-09 | 0 |  | uninsured deposits leaving |
| 2012-12 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2013-03 | 2 |  | uninsured deposits leaving |
| 2013-06 | 0 |  | deposits shrinking, assets shrinking |
| 2013-09 | 2 | deposits shrinking, assets shrinking |  |
| 2013-12 | 0 |  | deposits shrinking, assets shrinking |
| 2014-03 | 1 | capital falling |  |
| 2014-06 | 0 |  | capital falling |
| 2014-09 | 0 |  |  |
| 2014-12 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2015-03 | 1 | capital falling | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2015-06 | 0 |  | capital falling |
| 2015-09 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2015-12 | 0 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2016-03 | 1 | capital falling |  |
| 2016-06 | 1 | deposits shrinking | capital falling |
| 2016-09 | 0 |  | deposits shrinking |
| 2016-12 | 1 | capital falling |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 0 |  | capital falling |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | capital falling |  |
| 2018-06 | 0 |  | capital falling |
| 2018-09 | 1 | assets shrinking |  |
| 2018-12 | 3 | deposits shrinking, uninsured deposits leaving |  |
| 2019-03 | 6 | capital falling, noncurrent p90, reserve under noncurrent |  |
| 2019-06 | 2 |  | assets shrinking, uninsured deposits leaving, capital falling, noncurrent p90 |
| 2019-09 | 1 |  | deposits shrinking |
| 2019-12 | 3 | noncurrent p90, charge-offs p90 |  |
| 2020-03 | 1 | capital falling | reserve under noncurrent, noncurrent p90, charge-offs p90 |
| 2020-06 | 0 |  | capital falling |
| 2020-09 | 0 |  |  |
| 2020-12 | 0 |  |  |
| 2021-03 | 3 | capital falling, expense ratio p90, reserve under noncurrent |  |
| 2021-06 | 2 |  | capital falling |
| 2021-09 | 1 |  | reserve under noncurrent |
| 2021-12 | 0 |  | expense ratio p90 |
| 2022-03 | 2 | capital falling, NIM <2.5% |  |
| 2022-06 | 0 |  | capital falling, NIM <2.5% |
| 2022-09 | 2 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-12 | 2 | assets shrinking | securities losses >30% of equity |
| 2023-03 | 2 | deposits shrinking | AOCI drag >20% of equity |
| 2023-06 | 0 |  | assets shrinking, deposits shrinking |
| 2023-09 | 0 |  |  |
| 2023-12 | 1 | capital falling |  |
| 2024-03 | 1 |  |  |
| 2024-06 | 0 |  | capital falling |
| 2024-09 | 0 |  |  |
| 2024-12 | 1 | construction >100% equity |  |
| 2025-03 | 2 | capital falling |  |
| 2025-06 | 1 |  | capital falling |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 | capital falling | construction >100% equity |
| 2026-06 | 0 |  | capital falling |

## In the news (Google News, unfiltered, newest first; check the city)

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- 2022-02-16 [Steve Burgess, President & CEO of National Bank of Commerce Named 2021 Banker of the Year by Wisconsin Bankers Association - Duluth News Tribune](https://news.google.com/rss/articles/CBMiygJBVV95cUxNRmM3NWh4Y3JEY0VibGhkWlRvejhTY0dZWUVrR19tR3hOQ0RLUk96ZjhxMjlEdE5sTXhXXzViRlBUZEl3MXlsSlhHSjJ0dEs0d21fWHA0RV9nU3J6d2hqM01aTmhSRk5SQWRCZzM2N183a0txZGh0Z3RpN0hoSjJPcDlCaTZYdElIaTM1alR1RG55QzR2bDZlUXVaLXFlZE1ITkNmOGlFMncyOFFuOVRhekI1TFZ1R2hwcEJ1c0ZSQmplRVc3U1UyZGFqTXhnbl9vQzNSU1h3QTR5YXpRcGdBbXk5UExxaXN0SThqVkM1aTc1MzhPVThXdWg3UEh3TXFFRHBGZHF1eU1pU2tvSXVzRVRDc0IwTzBaU0lmc2RZNjhHWUlzY1IwWXhUQTE5SXFYclJWQjhZM1ZsbThKMzJoXzdYNldCcV9UaHc?oc=5) · Duluth News Tribune
- 2011-04-09 [Nevada Commerce Bank fails; L.A. bank to assume all deposits - Las Vegas Review-Journal](https://news.google.com/rss/articles/CBMinAFBVV95cUxPd3lnckE3S3phSWdFQlJxb0JXNXlvU3pUazNrWkZWV3JPTlo4dGNWN25Vek5wMDRRTHFyaUlxQW1uRlJnN3gzeUVuTDdsdUFMWEpxbE9sUXFYRVFxelgyZ0JfMHgwR1Ftano2WHdaTGh3MHBMZ2Uwd0c1MzhpN3g1cTliSklwTjY3bUQ5ZXJfVGxacllRdFh0X25iN3k?oc=5) · Las Vegas Review-Journal
- 2022-08-18 [Bailout List: Banks, Auto Companies, and More | Eye on the Bailout - ProPublica](https://news.google.com/rss/articles/CBMiV0FVX3lxTE9yUjlLUHlRTkFPekMwR3J1MXFxS2o0OWc3cTFybnY2U1ZhZ1BkTVRweEE5bXJuWnVSTTRxWk1malZlQ2dPUVpHSTk0OTZfNUg3aGpUVVJrbw?oc=5) · ProPublica

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=1374 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/30.json (key "1374", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide