Bank of Commerce

24 West Division Street
Stilwell, OK 74960
(918) 696-7745
www.bankofcommercestilwell.com

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Bank of Commerce is headquartered in Stilwell and is the 131^st largest bank in the state of Oklahoma. It is also the 4,892^nd largest bank in the nation. It was established in 1931 and as of December of 2011, it had grown to 34 employees at 3 locations. Bank of Commerce has a 5-star health rating.

Bank of Commerce Routing Number: 103112507

4.60 12-Month CD at Bank of Commerce in Southwest Florida - 9/15/2008

Bank of Commerce is offering a 4.60% APY 12-month CD. There's also a competitive 6-month CD with a yield of 4% APY. The minimum deposit is $100. More details are listed in the bank's rate page.It appears a branch visit is required to open accounts....

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See Rates for: Checking | Savings | CD | IRA

Bank of Commerce Checking Account Rates

Apy	Min	Max	Product
0.30%	$10k	-	Hi-Fi Platinum Checking
0.20%	$10k	-	Hi-Fi Checking
0.10%	$2,500	-	NOW Checking

Bank of Commerce Savings Account Rates

Apy	Min	Max	Product
0.15%	-	-	Kid Cent$ Savings Account
0.15%	$100	-	Savings Account
0.10%	$2,500	-	HSA (Health Savings Account)

Bank of Commerce CD Rates

Apy	Min	Max	Product
1.36%	$100k	-	60 Month CD
1.11%	$100k	-	48 Month CD
0.90%	$100k	-	36 Month CD
0.75%	$100k	-	24 Month CD
0.60%	$100k	-	18 Month CD
0.55%	$100k	-	12 Month CD
0.35%	$100k	-	182 Day CD
0.25%	$100k	-	3 Month CD

Bank of Commerce IRA Rates

	Apy	Min	Max	Product
	0.55%	$25	-	18 Month IRA

Rates updated: 5/22/2012

Data for Q4 2011

Institution Statistics

Bank of Commerce
FDIC Certificate #	422
BankRate Report	View
Year Established	1931
Employees	34
Primary Regulator	FDIC
Assets and Liabilities
Assets	$101.83 million
Loans	$63.66 million
Deposits	$84.25 million
Equity Capital	$10.71 million
Loan Loss Allowance	$245,000
Unbacked Noncurrent Loans	$255,000
Real Estate Owned	$391,000
Historic Data - December 2010
Assets	$96.01 million
Equity Capital	$10.14 million
Loan Loss Allowance	$444,000
Unbacked Noncurrent Loans	$285,000
Real Estate Owned	$392,000
Profit Margin - Quarterly
Net Interest Margin	4.33%
Return on Assets	1.78%
Return on Equity	16.56%
Interest Income	$4.75 million

Institution Health

Overall Score:

5 out of 5

Texas Ratio
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 Bank of Commerce had $646,000 in non-current loans and owned real-estate with $10.96 million in equity and loan loss allowances on hand to cover it. This gives Bank of Commerce a Texas Ratio of 5.90% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for Bank of Commerce held steady from 6.40% as of December 31, 2010 to 5.90% as of December 31, 2011, resulting in a positive change of 7.86%.This indicates that the balance sheet and financial strength for Bank of Commerce has held steady in recent periods.
Deposit Growth
In the past year, Bank of Commerce has increased its total deposits by $4.03 million, resulting in 5.02% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Bank of Commerce has shown is excellent.
Capitalization
Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Bank of Commerce has $101.83 million in assets with $10.96 million in equity, resulting in a capitalization level of 10.76%, which is above average.