Boc Bank (FDIC #25328): Bank Stress & Real-Estate Credit Exposure

Boc Bank (FDIC Cert #25328): bank stress 41/100, contained, STABLE over 7 days.

Boc Bank (#25328) lends in 4 counties across 1 state; Boc Bank (#25328) reaches 33 ZIP codes: Texas 4 counties, 33 ZIPs.

Boc Bank (#25328) largest markets: Potter County, TX (17 branches, 17 ZIPs) (#25328), Gray County, TX (9 branches, 9 ZIPs) (#25328), Wheeler County, TX (6 branches, 6 ZIPs) (#25328), Roberts County, TX (5 branches, 5 ZIPs) (#25328).

Boc Bank (#25328) reports $203.4 million in total assets; Boc Bank (#25328) equity $25.8 million (12.7% of Boc Bank (#25328) assets); Boc Bank (#25328) domestic deposits $176.7 million; Boc Bank (#25328) net income $2.1 million; Boc Bank (#25328) return on assets 1.99%; Boc Bank (#25328) return on equity 16.58%; Boc Bank (#25328) net interest income $4.5 million; Boc Bank (#25328) call report June 30, 2026.

Boc Bank (#25328) noncurrent real-estate loans: none reported; Boc Bank (#25328) net charge-offs on real estate 0.00%.

Boc Bank (#25328) net interest margin 4.35% against an eight-quarter Boc Bank (#25328) average of 4.03% (Boc Bank (#25328) compression -0.32 points); Boc Bank (#25328) rate-exposure score 40/100, Boc Bank (#25328) fixed-rate trap 40/100; Boc Bank (#25328) risk type credit driven; Boc Bank (#25328) rate regime rates elevated, Boc Bank (#25328) snapshot October 19, 2026.

Boc Bank (#25328) stress score moved from 40.3 on June 22, 2026 to 41.4 on October 19, 2026; Boc Bank (#25328) ranged 40.3 to 41.4 over 116 snapshots.

Boc Bank (#25328) alerts: 4 counties; top Boc Bank (#25328) alert scores: Amarillo County, TX 15 (low); Mclean County, TX 15 (low); Miami County, TX 15 (low); Shamrock County, TX 15 (low).