Total Assets
$90M
Total balance-sheet footings
FDIC Cert #1374 · White Castle, Louisiana · Est. 1927
The Bank of Commerce - FDIC Bank Health Profile
A community-scale look at The Bank of Commerce's own numbers, pulled straight from its quarterly FDIC Call Report.
- $90M
- Total assets
- B
- Health grade · Good
- 0.97%
- Return on assets
- 10.9%
- Tier 1 capital
Data updated July 2026
The verdict
The Bank of Commerce earns a PlainBankData health grade of B (66/100), with well-capitalized at 10.90% Tier 1, 0.97% ROA, 73% efficiency ratio.
- #3,813
- largest of 4,313 FDIC banks by assets
- 12th
- percentile by asset size, nationally
- 10.90%
- Tier 1 ratio - above the 10% well-capitalized line
- 41st
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How The Bank of Commerce's 66/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
The Bank of Commerce's composite health score
Tier 1 Capital Ratio (10.90%) 28/40
Return on Assets (ROA) (0.97%) 14/25
Texas Ratio (0.92%) 20/20
Efficiency Ratio (73.44%) 4/15
66 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$82M
Customer-funded liabilities
Net Loans
$38M
Outstanding loan book
Net Income
$787K
Bottom-line earnings
Capital adequacy vs federal thresholds
Where The Bank of Commerce ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. The Bank of Commerce's score of 66/100 falls in the highlighted band.
The Bank of Commerce'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). The Bank of Commerce's $90M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
10.90% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
10.90%
Texas Ratio
0.92%
Equity Capital
$8M
Profitability metrics
Return on Assets (ROA)
41st percentile nationally
0.97%
Return on Equity (ROE)
10.06%
Efficiency Ratio
73.44%
What the numbers say about The Bank of Commerce
The Bank of Commerce is an FDIC-insured institution (Certificate #1374) headquartered in White Castle, Louisiana, established in 1927. It holds $90M in total assets - 3,813th of 4,313 FDIC-insured banks, $82M in customer deposits, and $38M in net loans. On safety, its Tier 1 capital ratio of 10.90% is above the 10% well-capitalized threshold, and its Texas Ratio of 0.92% sits in the healthy range below 50%. It earns a PlainBankData health grade of B (66/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
By assets, The Bank of Commerce ranks 98th of 106 banks based in Louisiana -- squarely in the community-bank tier. Size alone doesn't determine a bank's local importance; a bank this size often has deeper, longer-standing relationships with the specific businesses and depositors it serves than a much larger institution would.
Income & expense breakdown
$4M
Interest Income
$142K
Non-Interest Income
$2M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. The Bank of Commerce reports a Texas Ratio of 0.92% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.92% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Louisiana by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) The Bank of Commerce (FDIC Cert #1374) - 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.
Other banks in Louisiana
All Louisiana banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| 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% |
Frequently asked questions
What is The Bank of Commerce's health grade?▼
The Bank of Commerce receives a health grade of B (66/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is The Bank of Commerce?▼
The Bank of Commerce holds $90M in total assets and $82M in deposits, ranking 3,813th of 4,313 FDIC-insured banks by asset size. It is headquartered in White Castle, Louisiana.
Is my money safe at The Bank of Commerce?▼
Yes, deposits at The Bank of Commerce (Certificate #1374) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is The Bank of Commerce's Tier 1 Capital Ratio?▼
The Bank of Commerce has a Tier 1 Capital Ratio of 10.90%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for The Bank of Commerce?▼
The Bank of Commerce has a Texas Ratio of 0.92%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is The Bank of Commerce?▼
The Bank of Commerce has an Efficiency Ratio of 73.44%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read The Bank of Commerce's profile as a depositor or analyst.
- The Bank of Commerce's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare The Bank of Commerce against other Louisiana banks before moving funds. Louisiana banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.