Side-by-side · Q2 2026 data
Bank of Hays vs Commerce Bank
Metric by metric
| Measure | Bank of Hays | Commerce Bank |
|---|---|---|
| TellerScore | 75 | 76 (stronger) |
| Capital cushion | 50 | 64 (stronger) |
| Loan quality | 84 | 94 (stronger) |
| Earnings | 81 (stronger) | 70 |
| Funding & liquidity | 86 (stronger) | 61 |
| Problem-loan coverage | 95 | 98 (stronger) |
| Peer percentile | 61st | 91st |
| Total assets | $379.2M | $35.0B |
| Deposits / shares | $338.0M | $28.1B |
| Capital ratio | 9.97% | 11.43% (stronger) |
| Problem loans | 0.47% | 0.17% (stronger) |
| Net charge-offs | -0.00% (stronger) | 0.25% |
| Return on assets | 1.53% (stronger) | 1.25% |
| Loans ÷ deposits | 56.8% (stronger) | 73.5% |
| Uninsured deposits | 27.9% (stronger) | 38.6% |
| Offices | 4 | 146 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 33.2% |
Commerce Bank has the higher TellerScore (76 vs 75). On the 7 directional measures above (where higher or lower is clearly better), Bank of Hays leads on 4 and Commerce Bank on 3. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.