# BANK OF COMMERCE
AMMON, ID · FDIC certificate 18059 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (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 | $2.34B | |
| Deposits | $1.93B | |
| Loans and leases | $1.77B | |
| Total equity | $346.4M | |
| Loans / deposits | 89.97% (p60 of band) | 87.10% |
| Liquid assets / assets | 22.21% (p55 of band) | |
| Uninsured deposits / deposits | 43.42% (p80 of band) | 30.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 2.13% (p30 of band) | |
| FHLB advances / assets | 2.13% | |
| Tier 1 leverage | 15.69% (p94 of band) | 10.50% |
| Unrealized securities loss / equity | -11.17% (p37 of band) | -7.75% |
| AOCI / equity | -0.10% (p66 of band) | |
| ROA (annualized) | 2.13% (p91 of band) | 1.26% |
| Net interest margin | 4.67% (p91 of band) | 3.70% |
| Efficiency ratio | 33.37% (p4 of band) | |
| Noncurrent loans | 1.35% (p81 of band) | 0.51% |
| Net charge-offs (annualized) | 0.42% (p94 of band) | |
| Reserve coverage of noncurrent | 118.23% | |
| Real estate % of loans | 70% | |
| Construction % of loans | 67.30% (p69 of band) | |
| Auto loans | $3.5M (0.20% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 6.9% | |
| Employees | 224 | |

## Flags firing in the latest filing

- **charge-offs p90** (`aq_nco`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 3 | capital falling, charge-offs p90 |  |
| 2012-06 | 1 |  | capital falling, charge-offs p90 |
| 2012-09 | 1 |  |  |
| 2012-12 | 2 | capital falling |  |
| 2013-03 | 0 |  | reserve under noncurrent, capital falling |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 2 | charge-offs p90, reserve under noncurrent |  |
| 2014-06 | 1 |  | charge-offs p90 |
| 2014-09 | 1 |  |  |
| 2014-12 | 0 |  | reserve under noncurrent |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 1 | charge-offs p90 |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 0 |  | charge-offs p90 |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 0 |  | capital falling |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 1 | construction >100% equity |  |
| 2023-06 | 0 |  | construction >100% equity |
| 2023-09 | 0 |  |  |
| 2023-12 | 0 |  |  |
| 2024-03 | 0 |  |  |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 1 | charge-offs p90 |  |

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

- 2026-05-04 [UM Western, Bank of Commerce series present “Willy Wonka” musical in Dillon - NBC Montana](https://news.google.com/rss/articles/CBMiqgFBVV95cUxQQ1FVcEdnME1JbkJOb3AydXdrUV9kbmw2MzI1UHhxSlNEMDJTVkNBQ3JtTEpHODl4NE5nWF9YREV5cWtoX1dFSm9aZHAyVkhROS1XLV9meE1VcXkzRzNSSTZJMlhEQlkyRmNpUVktWHhaVi1YbS13V2JmaEdRcm5sYkVtbGpPNDlRU0VtTjVGS0s4ZnFmcnR1X3FEODlqZFNWMWpSN0loSV9VQQ?oc=5) · NBC Montana
- 2026-02-12 [4 sentenced for bank fraud scheme in Crow Wing County - Brainerd Dispatch](https://news.google.com/rss/articles/CBMingFBVV95cUxOeDh5RF95eWwtcXJyMzNiZWVJQlhoRlJRQVBxVUFOcjJXQTcteUNrV0VjSFVidmNDWnJLcXRGRjMzRnZjdlRKejlwWDhNSE1TR3NLQ0ZLLTd2YmNoQUp6NHppa2VKZUtfczFsak1RWTROT0dDU0NhUDlzdkhjYnBTV1dxRno4ME9QaXdIb0QzV1lYY0lHV01uX0JjZy1Ddw?oc=5) · Brainerd Dispatch
- 2026-06-08 [Bank of Commerce’s Annual Stockholders’ Meeting to be held on June 30 via Zoom - BusinessWorld Online](https://news.google.com/rss/articles/CBMizAFBVV95cUxNZWtZb2VxR2JUT3liNzhUQmN2QW9GZjE4cEhJQmlyZkxNaTNlNllNMG9EYWt1QjdjSFpNYV8tTXRRS0ZlWjctaWZrTF9jWm5iS1I2eXhaZjZhcm5hUmVDMi11TzF3Ui0wT2o3a0RVNWxpYVg0clRkTWRiTlF0VjRLbVMyQWdzSlAyMmg5eUJYYlJKQS1PNDl6aVdXTlBVVDJjcmRIdURScHdBWnpsZ3VlbGJESjZWc1c3U3FiUFNObjhjeVJUcGxBdjE0d1A?oc=5) · BusinessWorld Online
- 2025-09-25 [Ex-RBC employee accessed prime minister’s banking profile: police - Banking Dive](https://news.google.com/rss/articles/CBMiygFBVV95cUxQQ0pKQkpYeTY3dzBMOGV3UTlQTkpueXpKX0U1UEFKNFdXdE83Y0F1R1hyOUUyMzgxS2tnamwxeC1keWE1MlNqZ1FaZTJtSHRfVUV6LU4xbDFrazdMMTVXTlMtZ3hQdXpyNXBwNTdQX1BoeTRfZTlESm5ZR18yQThTMTdLWWVObm51dzJDclZfQ2lLYUZ2ckp3N1FybXU1QWNZTU9QdHB6WUd5U1RkRVF6Rmo5cloxWXpPckVfVEl0Y2Q4R21rT1lncEt3?oc=5) · Banking Dive
- 2026-05-09 [Today in History - May 10: Bank robber's identity a mystery after sniper blows him to smithereens - Nine.com.au](https://news.google.com/rss/articles/CBMiqAFBVV95cUxOdURHTGlRZ21iTzZYbTRWRUpqSDdYUmotb2RrS0dmQ2dUVkNXUC01RENjckp3MnUwNWcyR0xpdEpLYmp5dVpuanZObWN1RXRGWHM1MlBpWDdZcF9KVHRiSVJaRjBGV2YyMldNUWQ4NW9QWnA1aEVuWl9OUl9FY1NjRXJSUDcwYm1XRTlnNndqU0RnakpKSFlEYldTWG01Q2I5WTJPUFU3MGQ?oc=5) · Nine.com.au
- 2025-12-02 [Termination Clauses Under Fire: Ontario Court Extends Waksdale Principles to the Canada Labour Code - Filion Wakely Thorup Angeletti LLP](https://news.google.com/rss/articles/CBMiygFBVV95cUxNLTI4bTBtMHcwYWk4eTk5RXh2Y2M1cDRjaWVfOXI1X3JZM1M3S1hqVmxMNW14akNzZWtCcG9XTDBrQ1ExV3hGcWQwOTB6TXl1Yk54N3NJY01VMVBCazJWXy1rT3pQa1hnT3ZHQkxJbC1uM3RQcGc1M1hDbDNmMEItRlBiWHlUU3VkMnlkVnV0eVBOREk3V21rZEROS0l3a3h5V1JLZWQyRFBBdUVzU2dYcGpEOEtCRE8xT0s0WVVrT3NwbTRGVEtleVhR?oc=5) · Filion Wakely Thorup Angeletti LLP
- 2019-01-10 [Leadership and Membership Announcements for the Federal Reserve Bank of San Francisco’s Salt Lake City Branch Board of Directors - San Francisco Fed - Federal Reserve Bank of San Francisco](https://news.google.com/rss/articles/CBMi8gFBVV95cUxOQTBRM1d1UHRUZmdkWFRXVWVzWTFBUWVqYmFLY3JPQlNsNkRwY1hJbW9FYXJtaGc3ME9mME9qUWphTXJCSkE4aG1UTDEtd0NRVDhDa2FLNW9YakJ3WVJ4WDdWUDBrb205MEEyOHJSaW9GSkVFSFRYbUhqMHF3UVZlMWpxakMzejRLdWIyaVozQWY0cE5LQmRWa25lTjZuTTNHdUNyWnJib1VuZ093dEliSHcxa1drdWd0a2o0MV9MQjlZT2JQRXdqR2h4NWdfUmQtMlMycmRqblU1WS1MUFo4WDBzUjA3OHlrT2tlVzRSWmpmQQ?oc=5) · Federal Reserve Bank of San Francisco
- 2023-12-24 [The Bank of Commerce (ID) Review | Review, Fees, Offerings - SmartAsset](https://news.google.com/rss/articles/CBMiiAFBVV95cUxOWHlpN3oxYUJOOXliR05sMDVzQWU0dUJnM3ZyVVdqQXdFQW5KODQwZFJhMkJHM3lwSjhjcWd0UVRfSUhrNDdOZld0NUFVQUg2TUVYMXFka3VNSE1GWk5vbFM3aklxNFhiWDAxTnpseWFaVmNRTTY1MUZ5ZVdVTnJEaWdhY0ItNGRz?oc=5) · SmartAsset

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=18059 (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/11.json (key "18059", 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