Bank · FDIC insured
BOC Bank
A $203.4M bank headquartered in McLean, TX, with 4 branches in Texas. Best rates: CDs 3.05% and savings 1.16% APY.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. CDs: not enough terms or balances published to score. Auto loans: no rates found on its website. Credit cards: no rates found on its website.
- CDs—3.05%CD rates →
- Savings871.16%at $1,000Savings rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About BOC Bank
BOC Bank is a fintech community bank based in Amarillo, Texas, owned and led by President and CEO Alex O'Brien.
Originally Bank of Commerce, the bank was acquired in 2000 by the W.H. O'Brien group to develop proprietary real-time core banking software.
- Headquarters
- 201 N Main St, McLean, TX 79057
- FDIC certificate
- 25328 ↗
Branches
4 branches in Texas
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Texas
4 branches
Pampa area · 2
- BOC BankMain office201 N Main St, McLean, TX 79057Directions
- Miami Branch106 S Main St, Miami, TX 79059Directions
Amarillo area · 1
- Amarillo Polk St. Branch800 S Polk St, Amarillo, TX 79101Directions
Shamrock area · 1
- Shamrock Branch315 N Main St, Shamrock, TX 79079Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 12.41% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.00% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.99% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $86 | $81 | — |
- CapitalLeverage ratio12.41%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.00%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.99%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$86Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of BOC Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.