Side-by-side · Q2 2026 data
Bank of Commerce and Trust Company vs The Baldwin State Bank
Metric by metric
| Measure | Bank of Commerce and Trust Company | The Baldwin State Bank |
|---|---|---|
| TellerScore | 56 | 75 (stronger) |
| Capital cushion | 38 | 51 (stronger) |
| Loan quality | 61 | 99 (stronger) |
| Earnings | 48 | 59 (stronger) |
| Funding & liquidity | 84 | 90 (stronger) |
| Problem-loan coverage | 70 | 100 (stronger) |
| Peer percentile | 13th | 61st |
| Total assets | $112.8M | $115.5M |
| Deposits / shares | $104.4M | $102.6M |
| Capital ratio | 8.84% | 10.14% (stronger) |
| Problem loans | 1.17% | 0.04% (stronger) |
| Net charge-offs | 0.12% | -0.01% (stronger) |
| Return on assets | 0.70% | 0.98% (stronger) |
| Loans ÷ deposits | 45.0% (stronger) | 46.1% |
| Uninsured deposits | 29.6% | 23.9% (stronger) |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.1% | 0.0% |
The Baldwin State Bank has the higher TellerScore (75 vs 56). On the 7 directional measures above (where higher or lower is clearly better), Bank of Commerce and Trust Company leads on 1 and The Baldwin State Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.