Side-by-side · Q2 2026 data
Citizens Bank & Trust vs CommerceOne Bank
Metric by metric
| Measure | Citizens Bank & Trust | CommerceOne Bank |
|---|---|---|
| TellerScore | 67 (stronger) | 56 |
| Capital cushion | 39 | 40 (stronger) |
| Loan quality | 97 | 100 (stronger) |
| Earnings | 44 (stronger) | 14 |
| Funding & liquidity | 83 (stronger) | 39 |
| Problem-loan coverage | 98 | 100 (stronger) |
| Peer percentile | 44th | 15th |
| Total assets | $1.2B | $1.1B |
| Deposits / shares | $1.1B | $970.2M |
| Capital ratio | 8.93% | 9.01% (stronger) |
| Problem loans | 0.08% | 0.00% (stronger) |
| Net charge-offs | 0.03% (stronger) | 3.54% |
| Return on assets | 0.60% (stronger) | -0.16% |
| Loans ÷ deposits | 56.0% (stronger) | 70.8% |
| Uninsured deposits | 30.3% (stronger) | 62.0% |
| Offices | 10 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 10.7% | 0.0% |
Citizens Bank & Trust has the higher TellerScore (67 vs 56). On the 7 directional measures above (where higher or lower is clearly better), Citizens Bank & Trust leads on 5 and CommerceOne Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.