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Bank Of Commerce And Trust Company
Wellington, KS · FDIC Certificate #4796 · Chartered 10/0
Total assets
$112.75M
Total deposits
$104.39M
Total equity
$6.59M
Net loans
$46.99M
Branches (offices)
4
Net income (YTD)
$398.00K
Rank: #3,587 of 4,213 U.S. banks by assets · #129 of 183 in Kansas. Assets changed 6.5% and deposits 5.8% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.70% |
| Return on equity | 11.90% |
| Net interest margin (YTD) | 3.28% |
| Equity to assets | 5.84% |
| Tier 1 leverage ratio | 8.84% |
| Uninsured deposits (share of deposits) | 29.6% |
| Noncurrent loans (share of loans) | 1.17% |
| Net charge-offs (share of loans) | 0.12% |
| Loans to deposits | 45.0% |
| Real estate loans (share of loans) | 70.8% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $33.27M | 70.8% | |
| Commercial & industrial | $2.94M | 6.3% | |
| Consumer / individual | $4.69M | 10.0% | |
| Construction & development | $963.00K | 2.0% | |
| Agricultural | $4.64M | 9.9% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $96.07M | $91.34M | $308.00K | $3.31M |
| Jun 2023 | $102.28M | $96.96M | $307.00K | $3.75M |
| Jun 2024 | $115.05M | $108.63M | $376.00K | $4.68M |
| Jun 2025 | $105.85M | $98.68M | $478.00K | $5.34M |
| Jun 2026 | $112.75M | $104.39M | $398.00K | $6.59M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Kansas | $104.39M | 4 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $104.39M.
Similar-sized banks
Legacy Bank ($112.78M) · Exchange State Bank ($112.74M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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