# BANK OF COMMERCE
STILWELL, OK · FDIC certificate 422 · asset band <$300M · latest filing 2019-09 · stopped filing (departed)

**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 | $81.3M | |
| Deposits | $68.3M | |
| Loans and leases | $58.4M | |
| Total equity | $11.1M | |
| Loans / deposits | 84.45% (p64 of band) | 77.79% |
| Liquid assets / assets | 24.76% (p38 of band) | |
| Uninsured deposits / deposits | 27.14% (p85 of band) | 15.94% |
| Brokered deposits | 4.33% | |
| Wholesale funding | 6.43% (p74 of band) | |
| FHLB advances / assets | 1.34% | |
| Tier 1 leverage | 12.75% (p64 of band) | 11.56% |
| Unrealized securities loss / equity | 6.28% (p95 of band) | 0.80% |
| AOCI / equity | 8.19% (p90 of band) | |
| ROA (annualized) | 2.22% (p94 of band) | 1.05% |
| Net interest margin | 5.14% (p96 of band) | 3.84% |
| Efficiency ratio | 58.85% (p23 of band) | |
| Noncurrent loans | 1.18% (p71 of band) | 0.56% |
| Net charge-offs (annualized) | 0.07% (p75 of band) | |
| Reserve coverage of noncurrent | 97.09% | |
| Real estate % of loans | 57% | |
| Construction % of loans | 8.82% (p38 of band) | |
| Auto loans | $1.1M (1.97% of loans; DQ 3.40%, NCO 0.04%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 4.5% | |
| Employees | 25 | |

## Flags firing in the latest filing

- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 0 |  | reserve under noncurrent |
| 2011-12 | 1 | reserve under noncurrent |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 2 | uninsured deposits leaving |  |
| 2012-09 | 1 |  | uninsured deposits leaving |
| 2012-12 | 0 |  | reserve under noncurrent |
| 2013-03 | 0 |  |  |
| 2013-06 | 2 | reserve under noncurrent, deposits shrinking |  |
| 2013-09 | 1 |  | deposits shrinking |
| 2013-12 | 3 | deposits shrinking, assets shrinking |  |
| 2014-03 | 2 | charge-offs p90 | deposits shrinking, assets shrinking |
| 2014-06 | 3 | assets shrinking |  |
| 2014-09 | 1 |  | charge-offs p90, assets shrinking |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 2 | charge-offs p90 |  |
| 2015-09 | 3 | deposits shrinking, assets shrinking | reserve under noncurrent |
| 2015-12 | 3 |  |  |
| 2016-03 | 3 | reserve under noncurrent | charge-offs p90 |
| 2016-06 | 1 |  | assets shrinking, reserve under noncurrent |
| 2016-09 | 2 | assets shrinking |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 1 | charge-offs p90 | deposits shrinking, assets shrinking |
| 2017-06 | 3 | reserve under noncurrent, deposits shrinking, uninsured deposits leaving | charge-offs p90 |
| 2017-09 | 3 |  |  |
| 2017-12 | 2 |  | reserve under noncurrent |
| 2018-03 | 2 |  |  |
| 2018-06 | 1 | charge-offs p90 | deposits shrinking, uninsured deposits leaving |
| 2018-09 | 2 | capital falling |  |
| 2018-12 | 2 | reserve under noncurrent | capital falling |
| 2019-03 | 2 |  |  |
| 2019-06 | 1 |  | charge-offs p90 |
| 2019-09 | 1 |  |  |

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

- 2026-08-27 [CIBC Earnings: Capital Markets Segment Performance Lagged Peers - Morningstar](https://news.google.com/rss/articles/CBMiqgFBVV95cUxOSFVudmFodEVIRzF0VHdYQUVqb1BmRGhxdTVBdmFIaTNaOGU0VThtSHNEYlpEZWIwbUNmdmhxYWxpbnh5Mmh6TGhmMng5cUp1bU9ZT3ZGclJDbFhTRy1mck4yVnE4V2hMejNlQzlmbG1sTGZSbjh0VTZ5dXdPUE5jODBpZG5Ud21EM1pBUF9BNmI5ekROeXdXYmYzQWZfTXBLODViblN2VzhMUQ?oc=5) · Morningstar
- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2026-03-05 [Bobby Keith McGrew Obituary Mar 5, 2026 - Tribute Memorial Care](https://news.google.com/rss/articles/CBMiXEFVX3lxTE1VaG5vT01ZTmw1X1U4Y05kbGpMU2d5V3loczNHdDF1RXptWFI1RmdpS0E0Ui1oeG9qdzJtbE4xNm0yTmZHbVUtYXZnaDB0T2ZzbkVvd0VtYjNWZGZB?oc=5) · Tribute Memorial Care
- 2026-06-11 [Historic Okmulgee Commerce Building named one of Oklahoma's most endangered places - KTUL](https://news.google.com/rss/articles/CBMivAFBVV95cUxOOU9SaE9qNUZhdGpmMHFqWDNHUlh0c3lOcUFqME9NSW9nek1nVTJRXzZmaGFRdzJOOHF2cFRINHBPQVlfN3RGOEtuZVhpOVA1WVF0aTlXMl85dVZlbjlieGJSVFNCbGlfallYb3UzaWNYWkw5SmxraE8xb2ZtMkdIVjdzS3h5Zm1LWXEwaGR6VVp3bDRNeVBicnZDNW1CdFpaTGpWMUtVR2FJRUtHbGFkQ0plZ3J0eFAxQ1cxRQ?oc=5) · KTUL
- 2021-04-29 [Ribbon cutting held for Bank of Commerce - southwestledger.news](https://news.google.com/rss/articles/CBMie0FVX3lxTE82V2pHY3ZCMGVZLW1yaTdzUmdhTDZjVHFPSXp0NVRNMU5KeVkyTG1aQkxQQmYwaFN2OVFIbXFjX0lqS2VPTl9nYldIUVlFR1VCVWZyeEtubzd3VTBjLVVwNG5PQ3UtUHctZUlDS1JoLWRyTzVHazdhcGRYUQ?oc=5) · southwestledger.news
- 2026-06-17 [UBT Bancshares to acquire Bank of Commerce - marysvilleonline.net](https://news.google.com/rss/articles/CBMiygFBVV95cUxPMjlSZG83eTdiQUFiekQzRXpvV0tKaFZBdXY2LWdkVkhpMHMtSmZ0OTNLamc3WF9hZHBLX0xzT24wQ19HbnpIT05yeWpWOVA1VnFTZm9MSUtIaC0xbEdweC1STGg2elVQdmExcXBic0g4bXlnbFlmNW4zQXA4SWdxbDViRFY0U3VTTEUycTc2SXl4YkRQRy1YR2E1NmY2WXQ0Y1hXczZYdmcxT1FnT0dQYm1zaEFOOUhxYmhwdWRVaTBTWWYtSXdtakt3?oc=5) · marysvilleonline.net
- 2019-07-30 [Bank of Commerce named in suit alleging harassment, ageism - Duncan Banner](https://news.google.com/rss/articles/CBMi2AFBVV95cUxQc3NpblBkNTA0WnBnNlBrOTl6TTdTT1B1WnBZUjg1QnpnZVkxc2JxZ01nbnVnRDR3RFIxUUpQRk1TbV9pS2RhSU1uZmJ1N0lNajRSVVdVUU9CY3hUempWem52YmFkMFN5QXIwRml1TjdmZTdjRDQ4YTNhYmNZOExkanBaQlhOWHI3U0F4bFVZY284UkllXzVtTmJHYlc1SUo4ajFvY1c4T1d0VmZBTDNuVVJSR3ZUUzRRVGZ2dkwtdjBpc3RPbkt4dUtkS2RCZ0U2eW9ZVW9Ec0s?oc=5) · Duncan Banner
- 2023-02-03 [Now that's staying power - The Business Journals](https://news.google.com/rss/articles/CBMipgFBVV95cUxOOU1vR0xiY0Z3bmVlSXVBVExvckV4aWsxV25CaV9nUlNLeHFCN2pfRjRrRFZUaWlXZ3lFZG9yNHhaRlBVLWZfcllSRW9ydWlBc1h3ZjBxQ25GLTZESExoeWNBM3lieWdrT2FITllBV1FTSHplZnBqX2U2R0h3cE9nNm5wZVhkMlNRT0gyeFdlNmQ4dENWQkhDMzEzXzM3NkZPdFA1cjN3?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=422 (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/38.json (key "422", 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