Side-by-side · Q2 2026 data
Commerce Bank vs Sanibel Captiva Community Bank
Metric by metric
| Measure | Commerce Bank | Sanibel Captiva Community Bank |
|---|---|---|
| TellerScore | 76 (stronger) | 68 |
| Capital cushion | 64 (stronger) | 49 |
| Loan quality | 94 (stronger) | 78 |
| Earnings | 70 | 95 (stronger) |
| Funding & liquidity | 61 (stronger) | 45 |
| Problem-loan coverage | 98 (stronger) | 83 |
| Peer percentile | 91st | 37th |
| Total assets | $35.0B | $976.2M |
| Deposits / shares | $28.1B | $805.9M |
| Capital ratio | 11.43% (stronger) | 9.92% |
| Problem loans | 0.17% (stronger) | 0.67% |
| Net charge-offs | 0.25% | 0.17% (stronger) |
| Return on assets | 1.25% | 1.88% (stronger) |
| Loans ÷ deposits | 73.5% (stronger) | 102.6% |
| Uninsured deposits | 38.6% | 26.1% (stronger) |
| Offices | 146 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 33.2% | 4.3% |
Commerce Bank has the higher TellerScore (76 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Commerce Bank leads on 4 and Sanibel Captiva Community Bank on 3. 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.