Side-by-side · Q2 2026 data
Bank of Winona vs Commerce Bank
Metric by metric
| Measure | Bank of Winona | Commerce Bank |
|---|---|---|
| TellerScore | 75 (stronger) | 74 |
| Capital cushion | 81 (stronger) | 75 |
| Loan quality | 57 (stronger) | 43 |
| Earnings | 68 | 100 (stronger) |
| Funding & liquidity | 93 (stronger) | 83 |
| Problem-loan coverage | 93 (stronger) | 78 |
| Peer percentile | 61st | 57th |
| Total assets | $142.7M | $167.9M |
| Deposits / shares | $119.6M | $149.0M |
| Capital ratio | 13.12% (stronger) | 12.46% |
| Problem loans | 1.30% (stronger) | 1.72% |
| Net charge-offs | 0.03% (stronger) | 0.22% |
| Return on assets | 1.19% | 2.48% (stronger) |
| Loans ÷ deposits | 38.9% (stronger) | 77.6% |
| Uninsured deposits | 21.3% | 13.2% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Bank of Winona has the higher TellerScore (75 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Bank of Winona leads on 5 and Commerce Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.