Side-by-side · Q2 2026 data
Commerce Bank vs Sterling State Bank
Metric by metric
| Measure | Commerce Bank | Sterling State Bank |
|---|---|---|
| TellerScore | 78 (stronger) | 59 |
| Capital cushion | 89 (stronger) | 35 |
| Loan quality | 80 | 84 (stronger) |
| Earnings | 72 (stronger) | 59 |
| Funding & liquidity | 50 (stronger) | 41 |
| Problem-loan coverage | 93 (stronger) | 92 |
| Peer percentile | 72nd | 17th |
| Total assets | $220.0M | $461.9M |
| Deposits / shares | $156.8M | $359.5M |
| Capital ratio | 13.87% (stronger) | 8.54% |
| Problem loans | 0.60% | 0.47% (stronger) |
| Net charge-offs | -0.01% (stronger) | 0.00% |
| Return on assets | 1.30% (stronger) | 0.98% |
| Loans ÷ deposits | 117.3% | 84.8% (stronger) |
| Uninsured deposits | 15.4% (stronger) | 46.2% |
| Offices | 2 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 10.7% |
Commerce Bank has the higher TellerScore (78 vs 59). On the 7 directional measures above (where higher or lower is clearly better), Commerce Bank leads on 5 and Sterling State Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.