# BANK OF COMMERCE
RAWLINS, WY · FDIC certificate 22639 · 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 | $216.3M | |
| Deposits | $189.3M | |
| Loans and leases | $115.4M | |
| Total equity | $21.8M | |
| Loans / deposits | 60.05% (p30 of band) | 73.59% |
| Liquid assets / assets | 43.08% (p69 of band) | |
| Uninsured deposits / deposits | 36.47% (p90 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 1.85% (p59 of band) | |
| FHLB advances / assets | 1.85% | |
| Tier 1 leverage | 11.28% (p43 of band) | 11.76% |
| Unrealized securities loss / equity | -18.56% (p25 of band) | -6.57% |
| AOCI / equity | -1.13% (p24 of band) | |
| ROA (annualized) | 1.41% (p64 of band) | 1.17% |
| Net interest margin | 4.14% (p61 of band) | 3.93% |
| Efficiency ratio | 58.56% (p32 of band) | |
| Noncurrent loans | 0.02% (p26 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p55 of band) | |
| Reserve coverage of noncurrent | 7726.09% | |
| Real estate % of loans | 77% | |
| Construction % of loans | 63.64% (p86 of band) | |
| Auto loans | $4.6M (4.01% of loans; DQ 0.76%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 8.1% | |
| Employees | 31 | |

## Flags firing in the latest filing

- none

## Warning timeline

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

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

- 2026-06-17 [UBT Bancshares to acquire Bank of Commerce - The Marysville Advocate](https://news.google.com/rss/articles/CBMiygFBVV95cUxPMjlSZG83eTdiQUFiekQzRXpvV0tKaFZBdXY2LWdkVkhpMHMtSmZ0OTNLamc3WF9hZHBLX0xzT24wQ19HbnpIT05yeWpWOVA1VnFTZm9MSUtIaC0xbEdweC1STGg2elVQdmExcXBic0g4bXlnbFlmNW4zQXA4SWdxbDViRFY0U3VTTEUycTc2SXl4YkRQRy1YR2E1NmY2WXQ0Y1hXczZYdmcxT1FnT0dQYm1zaEFOOUhxYmhwdWRVaTBTWWYtSXdtakt3?oc=5) · The Marysville Advocate
- 2026-08-16 [State of Wyoming Makes New Investment in Canadian Imperial Bank of Commerce $CM - MarketBeat](https://news.google.com/rss/articles/CBMi1gFBVV95cUxPYkZrNzVhYkdCbzFQUjQxbmVPZFhJOEIzYUIwQjZablRPQzFKT0FRbjd1NEJCZ1U0bXprLXFKUnhPdDRzamZLNGx5SXdlNU9jdG5RbS1HTWVoT3B4Ull6bzJPVkcyZ1ByRjVNMTFCdGRwdVlUY0lEd1RxZkVLbmRMclJBV2pwWEpxNlAtazBjeUcwY1AwVVRLcW1UUVdpYTBDRUlMM01FNnJEQW1CVlBfcV9kbkx2NjRobllZNnBiN0RETVN5UTZTb3JJWkdWdFVnakE4ZnJR?oc=5) · MarketBeat
- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2026-06-10 [Baggs Officer in Critical Condition, Suspect Killed - SweetwaterNOW](https://news.google.com/rss/articles/CBMiiAFBVV95cUxPRm5Cd2Z6WDQ1M2hOa3I4eUM1WnRKa2pWWjlqTnZ2ZVpESVZCZkF6bldEOExJX2tOdU14WVlFRWs0c2g3OUg4dmNNSENGMzB2WWExaDdTdzBwNzRRb1FKVEJweEFpdUphamhTMUdzVVVCdDFqUUtKMGxoSTZ6aVdVOTB6bVB3dW1Y?oc=5) · SweetwaterNOW
- 2022-10-26 [The Bank of Commerce names a new president - eastidahonews.com](https://news.google.com/rss/articles/CBMiiAFBVV95cUxQOXo3Wkk3SWlkTXZ4Qjh2LTFhLU5GYTBuSmZybzB5LUVsSWI3Z000SjdBSTJYYXkyWlNjYzdBc016Zld4dzhXLXhWLVJCb0lOeU5RN2ZtRERJYmJnWjdDMXZDUDU5dGtEMzNKR2NoSDRPNm4xZ2x3WFVSdF9lOHVqal9SdVRET3Fx?oc=5) · eastidahonews.com
- 2024-12-31 [54 Hispanic American-Owned Banks and Credit Unions, Sorted by State - businessinsider.com](https://news.google.com/rss/articles/CBMiogFBVV95cUxNNmt0RG9HN2paQWIzZFhYT1ZrSzJMMFB4RXpMdnRZRThiZUFoLUlDVWJUWmQwYVBTZ3NQNU9JRVJHcG9QZUZuTklnUlc1MzFncHhidzRmc0p6RFRXYm43WlUzT2RvckFKUGNiNEpIU1hzbkozLWtVX2p1V1ZCNVZiNmN4T2lKMXpGU3RVTkpGbWhsa0E0SXZ4WlBUMnVhTFAzcVE?oc=5) · businessinsider.com
- 2025-08-12 [Newton departs Idaho Falls Arts Council to join Bank of Commerce - Post Register](https://news.google.com/rss/articles/CBMi7gFBVV95cUxQX1k1akV4Q1VqcnE5NmxMNGpYNU9uTld2WnhmRDhSbWxUd04xOVhTTGdNM3REM3owbS0xOWdoMUhZM0Z4aUZ4Q1puNlVvMlVCZzFNbkZSSU0wN2lLTm5yaTBvUm5rM3hxRk1rMnNmNkVzUHBRVzI0Yk5PQjEtRUVIcTlPMDc5c0pGN2l3Njc1ZjBpaG5FcFo4TGtjR2xWTnpDcFNRdldkb091dC1mb3pvY1pZUHA0ZC1wN0FRUWt1Z21VTnJkU2FRSENsWUxFaGx5MlZEYU02U0I5Z2ZzcXdTd0g1d3JvczJNbFZWNC1R?oc=5) · Post Register
- 2022-12-27 [Claims against estate of deceased Lincoln businessman now extend to Louisiana - Nebraska Examiner](https://news.google.com/rss/articles/CBMiugFBVV95cUxNT3g3d19hdFIzOUl3M3pOaHN1UTZNMmg5ZFBUNXZnVW84dzhTbVJXRTloS3NJSDdSMU02dUl6QzJnbzZuS3psV3NQQ2xUT0UzaXhHQjdQY3FiVXVlYTNrWXBtb2E3QmJCM19leVkwU3BnWEtYaXlIbmVFYVZlRk5ZdlhQSXJ0azBPTi1ibl8wT1BmVjNyOGo1LVdCbFlkUTJqWjhLTnFEZ0pzTFFKREZSeXdJLVRWUzFBMmc?oc=5) · Nebraska Examiner

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=22639 (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/47.json (key "22639", 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