Side-by-side · Q2 2026 data
Baker-Boyer National Bank vs Commencement Bank
Metric by metric
| Measure | Baker-Boyer National Bank | Commencement Bank |
|---|---|---|
| TellerScore | 66 | 69 (stronger) |
| Capital cushion | 43 | 53 (stronger) |
| Loan quality | 86 | 97 (stronger) |
| Earnings | 43 | 60 (stronger) |
| Funding & liquidity | 90 (stronger) | 45 |
| Problem-loan coverage | 95 | 99 (stronger) |
| Peer percentile | 31st | 40th |
| Total assets | $692.9M | $739.6M |
| Deposits / shares | $632.3M | $660.2M |
| Capital ratio | 9.25% | 10.30% (stronger) |
| Problem loans | 0.42% | 0.09% (stronger) |
| Net charge-offs | -0.00% (stronger) | 0.05% |
| Return on assets | 0.58% | 0.99% (stronger) |
| Loans ÷ deposits | 60.4% (stronger) | 83.3% |
| Uninsured deposits | 23.6% (stronger) | 44.0% |
| Offices | 5 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.2% | — |
Commencement Bank has the higher TellerScore (69 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Baker-Boyer National Bank leads on 3 and Commencement Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.