# BANK OF COMMERCE
CHANUTE, KS · FDIC certificate 26217 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. 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 | $497.5M | |
| Deposits | $439.3M | |
| Loans and leases | $334.2M | |
| Total equity | $47.9M | |
| Loans / deposits | 75.19% (p35 of band) | 82.04% |
| Liquid assets / assets | 28.89% (p61 of band) | |
| Uninsured deposits / deposits | 25.36% (p48 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 1.89% (p40 of band) | |
| FHLB advances / assets | 1.89% | |
| Tier 1 leverage | 9.19% (p15 of band) | 10.81% |
| Unrealized securities loss / equity | -6.66% (p55 of band) | -8.10% |
| AOCI / equity | -0.08% (p68 of band) | |
| ROA (annualized) | 1.46% (p62 of band) | 1.28% |
| Net interest margin | 3.70% (p38 of band) | 3.91% |
| Efficiency ratio | 62.28% (p53 of band) | |
| Noncurrent loans | 0.05% (p19 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p19 of band) | |
| Reserve coverage of noncurrent | 2285.96% | |
| Real estate % of loans | 67% | |
| Construction % of loans | 17.62% (p22 of band) | |
| Auto loans | $6.1M (1.83% of loans; DQ 0.11%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 5.4% | |
| Employees | 101 | |

## 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 | 1 | reserve under noncurrent |  |
| 2011-12 | 0 |  | reserve under noncurrent |
| 2012-03 | 0 |  |  |
| 2012-06 | 1 | capital falling |  |
| 2012-09 | 0 |  | capital falling |
| 2012-12 | 0 |  |  |
| 2013-03 | 1 | reserve under noncurrent |  |
| 2013-06 | 2 | capital falling |  |
| 2013-09 | 1 |  | capital falling |
| 2013-12 | 0 |  | reserve under noncurrent |
| 2014-03 | 0 |  |  |
| 2014-06 | 1 | capital falling |  |
| 2014-09 | 0 |  | capital falling |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 1 | capital falling |  |
| 2015-09 | 0 |  | capital falling |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | deposits shrinking |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 0 |  | deposits shrinking |
| 2017-06 | 1 | capital falling |  |
| 2017-09 | 0 |  | capital falling |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 2 | deposits shrinking, assets shrinking |  |
| 2018-09 | 0 |  | deposits shrinking, assets shrinking |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 1 | capital falling |  |
| 2019-09 | 0 |  | capital falling |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 0 |  |  |
| 2020-12 | 0 |  |  |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | capital falling |  |
| 2022-06 | 0 |  | capital falling |
| 2022-09 | 1 | securities losses >30% of equity |  |
| 2022-12 | 0 |  | securities losses >30% of equity |
| 2023-03 | 1 | uninsured deposits leaving |  |
| 2023-06 | 1 |  |  |
| 2023-09 | 1 | capital falling | uninsured deposits leaving |
| 2023-12 | 0 |  | capital falling |
| 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 | 1 | capital falling |  |
| 2026-06 | 0 |  | capital falling |

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

- 2026-06-15 [Southeast Bancshares, Inc. Enters into Definitive Agreement to Sell Bank of Commerce to UBT Bancshares, Inc. - Ad Astra Radio](https://news.google.com/rss/articles/CBMi3AFBVV95cUxQSmtQenJMbDcyY1RqRklvN1VqdzNEOWJZRHhMQldfSUJoNzhNbTkzc2thVHMyRjhFYmhwSXhfTDdkeHNCVDk4OVV0clJ0Y1N4VzlRV2NKX0YxdlJXTXV0YzhiUHI1Uk5STUJSQ0tQdEtYSjYyR2hDbU9FODYtSVlkbnF5UHUwZXViMU1mdGV1WG5mVEpjRDRRejluWF9obmVxWUtHMzN3dTM0WG9RZFprRFg0dmhmVE9sejN2b2s3RTcySkJ5OEgzcF9YZ0F3ekdJLVoxbTJETzdrYU5r?oc=5) · Ad Astra Radio
- 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
- 2026-06-16 [Bank of Commerce sells - The Iola Register](https://news.google.com/rss/articles/CBMidkFVX3lxTE1ub3FXT2ZUZzlkWlIzRTZCb0wtajRHVncyWU84eTZxa3lfN2RwT1FFYkFLUWN1ZS05TEU4UEtTN1NQb1oxb2pxamJHejFfNERkUjcyN29VREEyXzFpMEhFb01kR3MtOFBrSENBU3llYXR6SEFzYnc?oc=5) · The Iola Register
- 2026-06-15 [United Bank & Trust Parent Company Enters Agreement To Merge With Bank of Commerce - KCLY Radio](https://news.google.com/rss/articles/CBMirAFBVV95cUxOSEthcWVUdWFwMGJrNVlLanJJTm13TlpCQy1jSE1NWlpwT3F1TUNDWUY4eDV2ZmxscXRGVHV5aFVwV0RqSWJ3Q2xNenJQOHhjaU5hVkV4Y21ZY1puX2NlX253eXEzRGJtbjR1cVYyUDMzb0hzWjRCNmtGZ2hoLWlRQnhsNG9xelZaUVdjS2NXNWFzbDU3dVIxMVlpc18zb0REUU9UaW16ZXZPZms4?oc=5) · KCLY Radio
- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2026-06-15 [UBT Bancshares, Inc. enters into definitive agreement to acquire Bank of Commerce - The Sabetha Herald](https://news.google.com/rss/articles/CBMivgFBVV95cUxQazcwTmNNNnd1YzREOWRPLTlncktyOTBNWFdra08yVnVxbzA0MGlfVmlQYnB1YlRIb3BEUTdRZ2RhYURyYWIxNzVFdFpXS0hxTjgxQ3JRYmh5MDVzMnFQS3NTMU81VE00OWpLQUdFNFhJZWVKMHAtYllmMXFVZk55NEFtLXBONElKTUJJS1loaUZhYUhHck9vNUIyUFB4ZUZaMEJZSHdPQkJ6M2tEWEZPRTVXajZEdmNkVHRGa29B?oc=5) · The Sabetha Herald
- 2023-02-03 [Now that's staying power - The Business Journals](https://news.google.com/rss/articles/CBMipgFBVV95cUxOOU1vR0xiY0Z3bmVlSXVBVExvckV4aWsxV25CaV9nUlNLeHFCN2pfRjRrRFZUaWlXZ3lFZG9yNHhaRlBVLWZfcllSRW9ydWlBc1h3ZjBxQ25GLTZESExoeWNBM3lieWdrT2FITllBV1FTSHplZnBqX2U2R0h3cE9nNm5wZVhkMlNRT0gyeFdlNmQ4dENWQkhDMzEzXzM3NkZPdFA1cjN3?oc=5) · The Business Journals
- 2025-06-16 [Fort Myers-based FineMark Bank agrees to merge with Commerce Bank - Gulfshore Business](https://news.google.com/rss/articles/CBMi4wFBVV95cUxOSDl2MDNpYnhoemVKVFBsTV84WW1lUTZuanhXT2N6Z2tyUzVXdGlHLXI5TFowbXFFMW5vWFpPUG90Si1qc0dMaEhLNVNDcWlqcFhEU0RfSXdubFNETjNXLUFzNXFPTU9IOFpXN05hancwMk5PS3VIYmllem43QTFjck9wb3NxajlOSFFteWZRU2s2WVV2RnBtNHVXMmIyZVg4Y01EV3lmdjZUTXBTaFFDZmVyU2lJQ1BDTVBHakZHZ1otTVZJcTFSZTk1V0xEWGVrVDBLcnM1Q1pHRGxYcG82QzNjdw?oc=5) · Gulfshore Business

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=26217 (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/41.json (key "26217", 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