Side-by-side · Q2 2026 data
Central National Bank vs Commercial Bank
Metric by metric
| Measure | Central National Bank | Commercial Bank |
|---|---|---|
| TellerScore | 78 (stronger) | 56 |
| Capital cushion | 60 | 100 (stronger) |
| Loan quality | 100 (stronger) | 0 |
| Earnings | 73 (stronger) | 62 |
| Funding & liquidity | 66 (stronger) | 42 |
| Problem-loan coverage | 100 (stronger) | 71 |
| Peer percentile | 86th | 15th |
| Total assets | $1.4B | $56.5M |
| Deposits / shares | $1.2B | $47.0M |
| Capital ratio | 11.00% | 15.24% (stronger) |
| Problem loans | 0.01% (stronger) | 3.06% |
| Net charge-offs | 0.15% (stronger) | 0.25% |
| Return on assets | 1.33% (stronger) | 1.05% |
| Loans ÷ deposits | 65.5% (stronger) | 82.1% |
| Uninsured deposits | 40.5% (stronger) | 47.3% |
| Offices | 29 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 12.5% | — |
Central National Bank has the higher TellerScore (78 vs 56). On the 7 directional measures above (where higher or lower is clearly better), Central National Bank leads on 6 and Commercial Bank on 1. 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.