Side-by-side · Q2 2026 data
Bank of Zachary vs Bank of Commerce & Trust Co.
Metric by metric
| Measure | Bank of Zachary | Bank of Commerce & Trust Co. |
|---|---|---|
| TellerScore | 76 (stronger) | 72 |
| Capital cushion | 69 (stronger) | 61 |
| Loan quality | 98 (stronger) | 94 |
| Earnings | 59 (stronger) | 33 |
| Funding & liquidity | 61 | 92 (stronger) |
| Problem-loan coverage | 99 | 99 |
| Peer percentile | 64th | 50th |
| Total assets | $416.0M | $377.9M |
| Deposits / shares | $359.7M | $332.0M |
| Capital ratio | 11.92% (stronger) | 11.10% |
| Problem loans | 0.07% (stronger) | 0.19% |
| Net charge-offs | 0.16% | 0.06% (stronger) |
| Return on assets | 0.98% (stronger) | 0.32% |
| Loans ÷ deposits | 84.9% | 29.6% (stronger) |
| Uninsured deposits | 27.8% | 22.6% (stronger) |
| Offices | 5 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 11.1% | — |
Bank of Zachary has the higher TellerScore (76 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Bank of Zachary leads on 4 and Bank of Commerce & Trust Co. on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.