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BDI
BC

Bank of Commerce

Rawlins, WyomingFDIC Cert #22639

STATEEstablished 19782 branches

Holding company: RAWLINS BANKSHARES INCRegulator: FED

FDICCERT + OFFDOM

What's happening here

As of Q1 2026FDICCall Report

Bank of Commerce reported $214M in total assets. Deposits grew 7.24% over the prior year.

Return on assets was 1.29%, compared with the official FFIEC UBPR peer median of 1.26%. The leverage ratio was 11.22%.

  • Why is Noncurrent Loan Ratio below its official FFIEC UBPR peers?
  • Why is Total Assets above its official FFIEC UBPR peers?
  • Why is Efficiency Ratio below its official FFIEC UBPR peers?

Generated offline from verified FDIC facts for the period shown. Bank Data Insights does not rate banks, predict outcomes, or provide advice.

Latest reported quarter

Key metrics

Assets
$214M
+8.2%y/y
Percentile by value64th percentileby value
Peer standing in FFIEC UBPR Peer Group 6 — Insured commercial banks having assets between $100 million and $300 million
FDICASSET
Deposits
$191M
+7.2%y/y
Percentile by value68th percentileby value
Peer standing in FFIEC UBPR Peer Group 6 — Insured commercial banks having assets between $100 million and $300 million
FDICDEP
Net loans
$111M
+7.0%y/y
Percentile by value49th percentileby value
Peer standing in FFIEC UBPR Peer Group 6 — Insured commercial banks having assets between $100 million and $300 million
FDICLNLSNET
ROA
1.29%
+5 bpsy/y
Peer standing53rd percentile
Peer standing in FFIEC UBPR Peer Group 6 — Insured commercial banks having assets between $100 million and $300 million
FDICNETINC + ROA
Efficiency
60.57%
−307 bpsy/y
Peer standing57th percentile
Peer standing in FFIEC UBPR Peer Group 6 — Insured commercial banks having assets between $100 million and $300 million
FDICNONIX + NIM + NONII + EEFFR
Leverage
11.22%
+2 bpsy/y
Peer standing53rd percentile
Peer standing in FFIEC UBPR Peer Group 6 — Insured commercial banks having assets between $100 million and $300 million
FDICRBC1AAJ

Percentiles compare this bank with 1,099 ffiec ubpr peer group 6 — insured commercial banks having assets between $100 million and $300 million.

Side-by-side comparison

Bank of Commerce beside its official FFIEC UBPR peers

The primary option is the peer group FFIEC assigned to this bank. The state option is FFIEC’s supplemental state group. Each pair uses the published FFIEC trimmed average when its formula matches the site registry; otherwise it uses a clearly labeled registry median within the same official membership.

FFIEC + FDICUBPR membership + Call Report metrics
ROA

This bank

1.29%

Registry median

1.26%
ROE

This bank

12.94%

FFIEC trimmed average

12.19%
NIM

This bank

4.03%

Registry median

3.95%
Loans YoY

This bank

+7.00%

FFIEC trimmed average

+5.94%
Leverage

This bank

11.22%

FFIEC trimmed average

11.53%

FFIEC averages are the regulator-published values after excluding the top and bottom 5%. Where the registered metric formula differs from UBPR, the comparison uses the median of reported registry values within the official FFIEC membership and labels it accordingly. Neither basis rates, ranks, or predicts the bank. Missing values remain Not reported.

FDICCall Report

Balance sheet trend

Assets & deposits

Time range
Reporting mode
Assets and deposits by reporting quarter
QuarterAssetsDeposits
Q2 2021$167M$148M
Q3 2021$166M$145M
Q4 2021$187M$167M
Q1 2022$179M$163M
Q2 2022$187M$172M
Q3 2022$188M$175M
Q4 2022$190M$176M
Q1 2023$186M$170M
Q2 2023$184M$169M
Q3 2023$197M$183M
Q4 2023$198M$181M
Q1 2024$194M$177M
Q2 2024$192M$175M
Q3 2024$197M$177M
Q4 2024$202M$183M
Q1 2025$198M$178M
Q2 2025$198M$175M
Q3 2025$208M$186M
Q4 2025$213M$191M
Q1 2026$214M$191M

Portfolio composition

Loan mix

Chart mode
Time range
Loan categories
Latest reported loan balances by category
CategoryBalance
Owner CRE$14.6M
Investor CRE$11.3M
Multifamily$7.42M
Construction$13.8M
1–4 family$33.8M
C&I$13.9M
Agriculture$9.85M
Other$7.82M

FFIEC UBPR comparison

How this bank compares

UnfavorableFavorableDirectional metrics only; neutral metrics use blue.
ROA
FDICNETINC + ROA
53rd percentileToggle ROA distribution

Distribution histogram for ROA, with this bank marked when a value is reported.

10th 0.51%Median 1.26%90th 2.16%Observations 1,099
ROE
FDICNETINC + ROE
56th percentileToggle ROE distribution

Distribution histogram for ROE, with this bank marked when a value is reported.

10th 4.92%Median 11.93%90th 20.75%Observations 1,099
NIM
FDICNIM + NIMY
54th percentileToggle NIM distribution

Distribution histogram for NIM, with this bank marked when a value is reported.

10th 3.01%Median 3.95%90th 4.94%Observations 1,099
Efficiency
FDICNONIX + NIM + NONII + EEFFR
57th percentileToggle Efficiency distribution

Distribution histogram for Efficiency, with this bank marked when a value is reported.

10th 46.29%Median 62.76%90th 82.51%Observations 1,099
Deposits YoY
FDICDEP
70th percentileby valueToggle Deposits YoY distribution

Distribution histogram for Deposits YoY, with this bank marked when a value is reported.

10th −2.81%Median +3.80%90th +14.76%Observations 1,099
Loans YoY
FDICLNLSNET
58th percentileby valueToggle Loans YoY distribution

Distribution histogram for Loans YoY, with this bank marked when a value is reported.

10th −3.93%Median +5.37%90th +18.00%Observations 1,097
Noncurrent %
FDICP9ASSET + NAASSET + LNLSGR
20th percentileToggle Noncurrent % distribution

Distribution histogram for Noncurrent %, with this bank marked when a value is reported.

10th 0.00%Median 0.38%90th 2.47%Observations 1,097
Leverage
FDICRBC1AAJ
52nd percentileToggle Leverage distribution

Distribution histogram for Leverage, with this bank marked when a value is reported.

10th 8.85%Median 11.00%90th 15.77%Observations 1,099

Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.

IB deposit cost
FDICEINTEXP + DEPIDOM
75th percentileToggle IB deposit cost distribution

Distribution histogram for IB deposit cost, with this bank marked when a value is reported.

10th 1.42%Median 2.24%90th 3.26%Observations 1,099
CRE/capital
FDICLNRENROT + LNREMULT + LNRECONS + RBC
Toggle CRE/capital distribution

Distribution histogram for CRE/capital, with this bank marked when a value is reported.

10th 19%Median 99%90th 243%Observations 514

Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.

Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. For directional metrics, deep red marks the unfavorable endpoint and teal marks the favorable endpoint after applying registry polarity. Neutral metrics use a blue ramp, are ordered from lower to higher reported value, and carry no favorable interpretation. Group membership is FFIEC-published. Expanded distributions use the site’s registered Call Report formula; a displayed FFIEC percentile is used only where the formulas align.

Branches & markets

Physical footprint

Domestic offices
2 branches
Headquarters
Rawlins, WY
FDICOFFDOMOpen the Wyoming dashboard →

History

Institution established

Filings

Q1 2026 Call Report
Q4 2025 Call Report
Q3 2025 Call Report
Q2 2025 Call Report
Public data, presented without a proprietary bank rating.FDIC source data