Side-by-side · Q2 2026 data
Capital Bank and Trust Company vs Commercial Bank of California
Metric by metric
| Measure | Capital Bank and Trust Company | Commercial Bank of California |
|---|---|---|
| TellerScore | 94 (stronger) | 64 |
| Capital cushion | 100 (stronger) | 43 |
| Loan quality | 100 (stronger) | 88 |
| Earnings | 100 (stronger) | 74 |
| Funding & liquidity | 61 (stronger) | 31 |
| Problem-loan coverage | 100 (stronger) | 93 |
| Peer percentile | 98th | 33rd |
| Total assets | $266.1M | $4.0B |
| Deposits / shares | $500K | $3.5B |
| Capital ratio | 79.26% (stronger) | 9.27% |
| Problem loans | 0.00% (stronger) | 0.37% |
| Net charge-offs | 0.00% (stronger) | 0.06% |
| Return on assets | 81.14% (stronger) | 1.34% |
| Loans ÷ deposits | 0.0% (stronger) | 79.5% |
| Uninsured deposits | 50.0% (stronger) | 61.9% |
| Offices | 1 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Capital Bank and Trust Company has the higher TellerScore (94 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Capital Bank and Trust Company leads on 7 and Commercial Bank of California on 0. 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.