Side-by-side · Q2 2026 data
Amboy Bank vs First Commerce Bank
Metric by metric
| Measure | Amboy Bank | First Commerce Bank |
|---|---|---|
| TellerScore | 80 (stronger) | 60 |
| Capital cushion | 72 (stronger) | 52 |
| Loan quality | 90 (stronger) | 76 |
| Earnings | 100 (stronger) | 59 |
| Funding & liquidity | 45 (stronger) | 32 |
| Problem-loan coverage | 96 (stronger) | 83 |
| Peer percentile | 90th | 21st |
| Total assets | $3.1B | $2.0B |
| Deposits / shares | $2.7B | $1.4B |
| Capital ratio | 12.19% (stronger) | 10.15% |
| Problem loans | 0.30% (stronger) | 0.72% |
| Net charge-offs | -0.12% (stronger) | 0.00% |
| Return on assets | 2.60% (stronger) | 0.96% |
| Loans ÷ deposits | 72.8% (stronger) | 107.3% |
| Uninsured deposits | 53.2% | 33.7% (stronger) |
| Offices | 23 | 11 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 16.6% | — |
Amboy Bank has the higher TellerScore (80 vs 60). On the 7 directional measures above (where higher or lower is clearly better), Amboy Bank leads on 6 and First Commerce Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.