Side-by-side · Q2 2026 data
Commerce Bank Texas vs First State Bank of San Diego
Metric by metric
| Measure | Commerce Bank Texas | First State Bank of San Diego |
|---|---|---|
| TellerScore | 51 (stronger) | 36 |
| Capital cushion | 77 (stronger) | 40 |
| Loan quality | 12 | 12 |
| Earnings | 16 (stronger) | 0 |
| Funding & liquidity | 99 (stronger) | 85 |
| Problem-loan coverage | 70 | 87 (stronger) |
| Peer percentile | 10th | 2nd |
| Total assets | $60.6M | $68.2M |
| Deposits / shares | $51.9M | $61.9M |
| Capital ratio | 12.73% (stronger) | 9.02% |
| Problem loans | 2.64% (stronger) | 2.65% |
| Net charge-offs | 0.00% | 0.00% |
| Return on assets | -0.09% (stronger) | -0.55% |
| Loans ÷ deposits | 45.5% | 24.1% (stronger) |
| Uninsured deposits | 15.9% (stronger) | 29.1% |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Commerce Bank Texas has the higher TellerScore (51 vs 36). On the 6 directional measures above (where higher or lower is clearly better), Commerce Bank Texas leads on 5 and First State Bank of San Diego on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.