Side-by-side · Q2 2026 data
Commerce Bank Texas vs First State Bank
Metric by metric
| Measure | Commerce Bank Texas | First State Bank |
|---|---|---|
| TellerScore | 51 | 78 (stronger) |
| Capital cushion | 77 (stronger) | 56 |
| Loan quality | 12 | 88 (stronger) |
| Earnings | 16 | 85 (stronger) |
| Funding & liquidity | 99 (stronger) | 81 |
| Problem-loan coverage | 70 | 98 (stronger) |
| Peer percentile | 10th | 60th |
| Total assets | $60.6M | $58.2M |
| Deposits / shares | $51.9M | $51.9M |
| Capital ratio | 12.73% (stronger) | 10.64% |
| Problem loans | 2.64% | 0.37% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.26% |
| Return on assets | -0.09% | 1.62% (stronger) |
| Loans ÷ deposits | 45.5% | 40.3% (stronger) |
| Uninsured deposits | 15.9% (stronger) | 32.5% |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First State Bank has the higher TellerScore (78 vs 51). On the 7 directional measures above (where higher or lower is clearly better), Commerce Bank Texas leads on 3 and First State Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.