Bank of Commerce
Chanute, Kansas, Neosho County
$497M in total assets, the 1,825th largest of 4,309 US banks and 44th of 185 headquartered in Kansas.
- FDIC certificate
- 26217
- Established
- 1985
- Owned by
- Southeast Bancshares Inc
- Primary regulator
- FED
- Website
- www.boc-ks.com
At a glance
Compared with 116 banks headquartered in Kansas with $100 million to $1 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $497M | 80% | $257M | |
| Loans | $334M | 82% | $172M | |
| Deposits | $439M | 83% | $214M | |
| Return on assets | 1.34% | 47% | 1.41% | |
| Net interest margin | 3.70% | 29% | 3.98% | |
| Efficiency ratio | 62.3% | 66% | 58.4% | |
| Equity to assets | 9.63% | 39% | 10.25% | |
| Loans to deposits | 76% | 44% | 78% |
Growth
Total assets grew 4.7% a year over the last 5 years and 10.6% a year over 10 years, including 4 acquisitions in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Sep 2023 | The Piqua State Bank Gas, KS | $32M |
| Apr 2023 | Emerald Bank Burden, KS | $22M |
| Jan 2020 | First Neodesha Bank Neodesha, KS, an affiliate under the same holding company | $111M |
| Jan 2020 | Chetopa State Bank & Trust Co. Chetopa, KS, an affiliate under the same holding company | $39M |
| Aug 2010 | Home State Bank Erie, KS, an affiliate under the same holding company | $27M |
| Feb 2010 | First State Bank of Thayer Thayer, KS, an affiliate under the same holding company | $9M |
| May 1985 | The Bank of Commerce Chanute, KS | $67M |
Where they operate
15 branches in 9 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Neosho County, KS | $220M | 35.2% | 1 of 7 |
| Wilson County, KS | $70M | 24.1% | 2 of 5 |
| Labette County, KS | $69M | 11.7% | 3 of 5 |
| Elk County, KS | $23M | 37.1% | 2 of 2 |
| Allen County, KS | $17M | 3.4% | 5 of 5 |
| Cowley County, KS | $14M | 1.5% | 7 of 7 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 8 branches since 2016 (7 to 15, +114.3%). 0 opened, 10 acquired, 2 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 7 | |||
| 2017 | Closed Stark | 0 | 1 | −1 | 6 |
| 2020 | Acquired First Neodesha Bank and Chetopa State Bank & Trust Co. | 6 | 0 | +6 | 12 |
| 2021 | Closed Chanute | 0 | 1 | −1 | 11 |
| 2023 | Acquired Emerald Bank and The Piqua State Bank | 4 | 0 | +4 | 15 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Farmland | 29% | 17% | |
| 1-4 family residential | 25% | 27% | |
| Agricultural | 17% | 14% | |
| Business (C&I) | 11% | 11% | |
| Commercial real estate | 6% | 17% | |
| Multifamily | 4% | 2% | |
| Consumer | 3% | 4% | |
| Construction and land | 3% | 5% | |
| Other | 1% | 2% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 43% | 46% | |
| Time deposits | 35% | 34% | |
| Noninterest-bearing | 22% | 20% |
Brokered deposits are 0.0% of deposits (peers 3.7%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.05% | 0.24% |
| Net charge-offs, annualized | -0.00% | 0.00% |
| Reserves to loans | 1.17% | 1.27% |
| Leverage ratio | 9.19% | 10.57% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Kansas
Largest competitors in Neosho County, KS
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/banks/bank-commerce-chanute-ks