Side-by-side · Q2 2026 data
Central Bank vs Commerce Bank
Metric by metric
| Measure | Central Bank | Commerce Bank |
|---|---|---|
| TellerScore | 78 (stronger) | 74 |
| Capital cushion | 70 | 75 (stronger) |
| Loan quality | 100 (stronger) | 43 |
| Earnings | 50 | 100 (stronger) |
| Funding & liquidity | 79 | 83 (stronger) |
| Problem-loan coverage | 100 (stronger) | 78 |
| Peer percentile | 72nd | 57th |
| Total assets | $160.2M | $167.9M |
| Deposits / shares | $141.1M | $149.0M |
| Capital ratio | 11.95% | 12.46% (stronger) |
| Problem loans | 0.00% (stronger) | 1.72% |
| Net charge-offs | 0.65% | 0.22% (stronger) |
| Return on assets | 0.75% | 2.48% (stronger) |
| Loans ÷ deposits | 80.8% | 77.6% (stronger) |
| Uninsured deposits | 15.0% | 13.2% (stronger) |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Central Bank has the higher TellerScore (78 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Central Bank leads on 2 and Commerce Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.