FDIC Cert #10523 · Crowley, Louisiana · Est. 1926

Bank of Commerce & Trust Co. - FDIC Bank Health Profile

A community-scale look at Bank of Commerce & Trust Co.'s own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$396M
Total assets
C
Health grade · Fair
0.18%
Return on assets
11.2%
Tier 1 capital

Data updated July 2026

The verdict

Bank of Commerce & Trust Co. earns a PlainBankData health grade of C (55/100), with well-capitalized at 11.23% Tier 1, 0.18% ROA, 91% efficiency ratio.

#2,094
largest of 4,313 FDIC banks by assets
51st
percentile by asset size, nationally
11.23%
Tier 1 ratio - above the 10% well-capitalized line
8th
percentile for profitability (ROA), nationally

The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.

FDIC Call Report plate

Cert 10523 · LA C · 55/100

GRADE-C · BOTTOM-DECILE · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-THIN · SIZE-MID · BOOK-FULL

  • GRADE-C C (55/100)
  • BOTTOM-DECILE #4030/4307
  • PHOTO-FINISH Murphy-Wall State Ba… · IL
  • TIER1-WELL 11.2% Tier 1
  • TEXAS-CLEAN 1.1% Texas
  • ROA-THIN 0.18% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Louisiana: Murphy-Wall State Bank and Trust Company, IL (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Bank of Commerce & Trust Co.

Lowest and highest poles plus nearest scored peers outside Louisiana, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Bank Cmg · WI · near55/100Bank of Commerce & T… · LA ·…55/100Grove Bank · MN · near55/100Murphy-Wall State Ba… · IL ·…55/100Union County Savings… · NJ ·…55/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Bank of Commerce & Trust Co. · July 2026

What Bank of Commerce & Trust Co.'s Call Report plate shows

Bank of Commerce & Trust Co. (FDIC Cert #10523) carries a PlainBankData health grade of C at 55/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #4,030 of 4,307. Tier 1 capital prints at 11.23%, clearing the 10% well-capitalized line. The Texas Ratio is 1.08%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.18%. Balance-sheet scale is $396M, 2,094th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Murphy-Wall State Bank and Trust Company (IL), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Bank of Commerce & Trust Co.

4 FAILURE resolutions in Louisiana since 2000 (3 since 2008)

Bank of Commerce & Trust Co.'s home state sits in the middle band of post-2000 FAILURE counts (4; 3 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; Bank of Commerce & Trust Co. remains an active FDIC-insured reporter.

  • FIRST NBC BANK NEW ORLEANS, LA 2017 → WHITNEY BANK
  • CENTRAL PROGRESSIVE BANK LACOMBE, LA 2011 → FIRST NBC BANK
  • STATEWIDE BANK COVINGTON, LA 2010 → HOME BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Louisiana banks.

How Bank of Commerce & Trust Co.'s 55/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10055/100
Bank of Commerce & Trust Co.'s composite health score
Tier 1 Capital Ratio (11.23%) 28/40
Return on Assets (ROA) (0.18%) 7/25
Texas Ratio (1.08%) 20/20
Efficiency Ratio (90.96%) 0/15

55 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$396M

Total balance-sheet footings

Total Deposits

$354M

Customer-funded liabilities

Net Loans

$102M

Outstanding loan book

Net Income

$662K

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 9.83% 11.23% 12.63%
Basel III capital ratios - Bank of Commerce & Trust Co.

Where Bank of Commerce & Trust Co. ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Bank of Commerce & Trust Co.'s score of 55/100 falls in the highlighted band.

Bank of Commerce & Trust Co.: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

55 6th percentile higher than 6% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). This entry sits in this band. 60–70: 777 FDIC-insured banks (18%). Above this entry. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Bank of Commerce & Trust Co. 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Bank of Commerce & Trust Co.'s size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Bank of Commerce & Trust Co.'s $396M falls in the highlighted band.

Safety ratios for Bank of Commerce & Trust Co.

Tier 1 capital ratio
Well-capitalized 10%

11.23% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
11.23%
Texas Ratio
1.08%
Equity Capital
$32M

What these ratios mean →

Profitability metrics: Bank of Commerce & Trust Co.

Return on Assets (ROA)
8th percentile nationally
0.18%
Return on Equity (ROE)
2.37%
Efficiency Ratio
90.96%

What these mean →

Income & expense at Bank of Commerce & Trust Co.

$11M
Interest Income
$1M
Non-Interest Income
$8M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Bank of Commerce & Trust Co. reports a Texas Ratio of 1.08% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

1.08% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Bank of Commerce & Trust Co. on FDIC BankFind →

Top banks in Louisiana by total assets

Largest banks headquartered in Louisiana
  1. 1
    Origin Bank $9.6B

    Choudrant, LA · Grade B

  2. 2
    b1BANK $8.2B

    Baton Rouge, LA · Grade A

  3. 3
    First Guaranty Bank $4.1B

    Hammond, LA · Grade C

  4. 4
    Gulf Coast Bank and Trust Company $3.6B

    New Orleans, LA · Grade B

  5. 5
    Home Bank $3.5B

    Lafayette, LA · Grade A

Top 5 banks in Louisiana ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($396M here), outside Louisiana so the neighborhood is not state containment.

Southern Independent Bank $396M · AL Peoples State Bank of Hallettsville $396M · TX Little Horn State Bank $396M · MT State Bank & Trust $396M · AL

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Bank of Commerce & Trust Co. (FDIC Cert #10523) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Bank of Commerce & Trust Co. Call Report profile · FDIC Failed Bank List · Louisiana FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Louisiana

All Louisiana banks →
BankAssetsGradeROA
Origin BankChoudrant $9.6B B 0.76%
b1BANKBaton Rouge $8.2B A 1.23%
First Guaranty BankHammond $4.1B C -1.33%
Gulf Coast Bank and Trust CompanyNew Orleans $3.6B B 1.15%
Home Bank, National AssociationLafayette $3.5B A 1.41%
Red River BankAlexandria $3.3B A 1.36%
Investar Bank, National AssociationBaton Rouge $2.8B B 0.89%
Bonvenu Bank, National AssociationBossier City $1.6B B 0.54%