# BANK OF COMMERCE
CHARLOTTE, NC · FDIC certificate 58134 · asset band <$300M · latest filing 2014-06 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. 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 | $122.8M | |
| Deposits | $92.8M | |
| Loans and leases | $90.8M | |
| Total equity | $12.3M | |
| Loans / deposits | 96.31% (p91 of band) | 70.22% |
| Liquid assets / assets | 21.75% (p21 of band) | |
| Uninsured deposits / deposits | 10.88% (p43 of band) | 12.36% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 13.60% (p90 of band) | |
| FHLB advances / assets | 12.21% | |
| Tier 1 leverage | 10.12% (p45 of band) | 10.41% |
| Unrealized securities loss / equity | -6.86% (p5 of band) | 0.24% |
| AOCI / equity | 6.34% (p89 of band) | |
| ROA (annualized) | 0.12% (p11 of band) | 0.79% |
| Net interest margin | 3.51% (p43 of band) | 3.62% |
| Efficiency ratio | 96.61% (p90 of band) | |
| Noncurrent loans | 1.28% (p61 of band) | 0.88% |
| Net charge-offs (annualized) | 0.13% (p76 of band) | |
| Reserve coverage of noncurrent | 121.00% | |
| Real estate % of loans | 88% | |
| Construction % of loans | 32.69% (p70 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -2.2% | |
| Employees | 17 | |

## Flags firing in the latest filing

- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | wholesale funding >15%, reserve under noncurrent |  |
| 2011-06 | 3 | losing money |  |
| 2011-09 | 6 | capital falling, expense ratio p90, charge-offs p90 |  |
| 2011-12 | 5 |  | capital falling |
| 2012-03 | 4 | deposits shrinking, assets shrinking | losing money, expense ratio p90, charge-offs p90 |
| 2012-06 | 4 |  |  |
| 2012-09 | 4 |  |  |
| 2012-12 | 4 |  |  |
| 2013-03 | 3 |  | deposits shrinking |
| 2013-06 | 4 | deposits shrinking |  |
| 2013-09 | 1 |  | wholesale funding >15%, assets shrinking, deposits shrinking |
| 2013-12 | 1 | wholesale funding >15% | reserve under noncurrent |
| 2014-03 | 1 | uninsured deposits leaving | wholesale funding >15% |
| 2014-06 | 1 |  |  |

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

- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 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
- 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
- 2025-08-21 [Heritage Bank CEO Clay Jones on competing with industry giants - The Business Journals](https://news.google.com/rss/articles/CBMiqwFBVV95cUxPOGl4aVpsSjByQmF2S2RwTTAyUGdTelZKUktOYzVFUHhiMEpRNWZsUkRGZG8wdXQxc0ZiUzFESDhpN2ZIbFJxdkhuTEIybTk2ZWNYZGhEUlNDNk5XQXp3N2NHS1pZRjJOX19oUUxMdDdSdlM2b1hyZ2ZLLWNHalktVEE2WWN4S0RSWlVjN0NfRDBWUkZrdWxRUUVCU1F1enFvYU1nc1Y0TFl3U00?oc=5) · The Business Journals
- 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
- 2021-02-05 [Hispanic American–Owned Banks by State - Investopedia](https://news.google.com/rss/articles/CBMigAFBVV95cUxNekJYVXloWFZDb19oMGVOdmo5aFRBalRMbHktTk90UmRrY0c3a2hINVl1eFAzWURsV0RhX3Y2NDdJMVdvbmduUzNqa3REV0U5NXdRRF9CNVpvTC1QbTYwYUVBQm90N2VHbmhhQ2laRUh2RlEtSV9teWF1OTNvd2Q3Zw?oc=5) · Investopedia
- 2023-12-24 [The Bank of Commerce (ID) Review | Review, Fees, Offerings - SmartAsset](https://news.google.com/rss/articles/CBMiiAFBVV95cUxOWHlpN3oxYUJOOXliR05sMDVzQWU0dUJnM3ZyVVdqQXdFQW5KODQwZFJhMkJHM3lwSjhjcWd0UVRfSUhrNDdOZld0NUFVQUg2TUVYMXFka3VNSE1GWk5vbFM3aklxNFhiWDAxTnpseWFaVmNRTTY1MUZ5ZVdVTnJEaWdhY0ItNGRz?oc=5) · SmartAsset
- 2018-11-20 [The financial crisis rocked Charlotte. Here’s what’s changed in the past decade. - Charlotte Observer](https://news.google.com/rss/articles/CBMigwFBVV95cUxOMlBhQVhLa083YzlTODdMNjBIVTlyMWs4b0ZDakxwSU1jNV9iaXZxVklHMWFwOGI1RDY5TGs3U01GalBZMzZlX0FFNndQNkswclhiLVR0cHJZSF80QWVSakkteUZ0ck9obU9MUjd1MnE0eURfQnRQc2lCYTlCOEpuMjhGc9IBgwFBVV95cUxQOXd3Vy1XQjVmb2lpZGNWa3hBbWZUMzBvQ0NIWTdHaHFGSTFHUFNUempscFJyMEV4ZDhVanV0Q3cySy0zSlF1NkxBSXF3MkV2bS13emllcExCLU5Nd3JNUmY5Z2RseWVvYjlxTklscGtSelJVTUd2WkFQbjF1M3AwZjhMaw?oc=5) · Charlotte Observer

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58134 (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/22.json (key "58134", 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