The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

From Q2 2025 to Q2 2026, the score rose 3 points (71 → 74), mostly because the earnings component improved by 11 points.

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Similar-size banks in Missouri

Yes. Commercial Trust Company of Fayette is an FDIC-insured institution (FDIC certificate #9791). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 30.7% of deposits ($44.5M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.41%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

Commercial Trust Company of Fayette lists 2 offices in 2 cities. Most locations:

• Fayette, MO (1)
• Harrisburg, MO (1)

All branch addresses and map

In 2025, Commercial Trust Company of Fayette reported 103 home-loan applications under HMDA (LEI 549300OLRFUNCEDVGB16): 97 originated ($18,375,000 total), 6 denied, and 0 withdrawn or closed by the applicant. Its denial rate on decided applications was 5.8%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Legal name

Commercial Trust Company of Fayette

Type

State-chartered bank

FDIC certificate #

9791

RSSD ID

709451

Primary regulator

FDIC

Holding company

Harris Taubman Financial Corp

Established

January 1, 1903

Headquarters

119 N Main St, Fayette, MO 65248

Website

www.commercialtrust.bank

Employees

29