Side-by-side · Q2 2026 data
Citizens Community Bank vs Commerce Bank
Metric by metric
| Measure | Citizens Community Bank | Commerce Bank |
|---|---|---|
| TellerScore | 79 (stronger) | 76 |
| Capital cushion | 66 (stronger) | 64 |
| Loan quality | 91 | 94 (stronger) |
| Earnings | 68 | 70 (stronger) |
| Funding & liquidity | 85 (stronger) | 61 |
| Problem-loan coverage | 97 | 98 (stronger) |
| Peer percentile | 75th | 91st |
| Total assets | $142.6M | $35.0B |
| Deposits / shares | $125.9M | $28.1B |
| Capital ratio | 11.56% (stronger) | 11.43% |
| Problem loans | 0.27% | 0.17% (stronger) |
| Net charge-offs | 0.25% | 0.25% (stronger) |
| Return on assets | 1.19% | 1.25% (stronger) |
| Loans ÷ deposits | 75.7% | 73.5% (stronger) |
| Uninsured deposits | 9.8% (stronger) | 38.6% |
| Offices | 3 | 146 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 33.2% |
Citizens Community Bank has the higher TellerScore (79 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Citizens Community Bank leads on 3 and Commerce Bank on 4. 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.