Bank of Commerce

Duncan, OklahomaFDIC Cert #57491

STATEEstablished 20026 branches

Holding company: COMMERCE FINANCIAL CORegulator: FDIC

FDICCERT + OFFDOM

Portfolio mix & concentration

Loans

The composition, growth, and concentration of the loan book using reported Call Report categories.

As of Q1 2026

Portfolio composition

Loan mix

Latest reported loan balances by category
Category	Balance
Owner CRE	$22.2M
Investor CRE	$67.4M
Multifamily	$1.23M
Construction	$15M
1–4 family	$14.9M
C&I	$48.6M
Agriculture	$50M
Other	$9.02M

Loan book

Reported balances and balance-sheet intensity.

Gross loans

$228M

−14.2%y/y

Percentile by value17th percentileby value

FDICLNLSGR

Net loans

$226M

−14.3%y/y

Percentile by value17th percentileby value

FDICLNLSNET

Loans YoY

−14.26%

−1,065.5%y/y

Percentile by value1st percentileby value

FDICLNLSNET

L/D

75.3%

−11.9%y/y

Percentile by value38th percentileby value

FDICLNLSNET + DEP

Loans/assets

66.2%

−9.1%y/y

Percentile by value41st percentileby value

FDICLNLSNET + ASSET

RE loans %

60.24%

−10.3%y/y

Percentile by value10th percentileby value

FDICLNRE + LNLSGR

Concentration

Portfolio concentration relative to loans and risk-based capital.

CRE/capital

Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.

FDICLNRENROT + LNREMULT + LNRECONS + RBC

Construction/capital

Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.

FDICLNRECONS + RBC

Loan HHI

1,771points

+1.0%y/y

Peer standing78th percentile

FDICLNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD

Owner CRE %

9.73%

+2.1%y/y

Percentile by value38th percentileby value

FDICLNRENROW + LNLSGR

Investor CRE %

29.53%

+0.8%y/y

Percentile by value89th percentileby value

FDICLNRENROT + LNLSGR

C&I %

21.27%

+8.7%y/y

Percentile by value91st percentileby value

FDICLNCI + LNLSGR