Side-by-side · Q2 2026 data
Commerce Bank Texas vs Kress National Bank
Metric by metric
| Measure | Commerce Bank Texas | Kress National Bank |
|---|---|---|
| TellerScore | 51 | 76 (stronger) |
| Capital cushion | 77 (stronger) | 46 |
| Loan quality | 12 | 100 (stronger) |
| Earnings | 16 | 72 (stronger) |
| Funding & liquidity | 99 (stronger) | 87 |
| Problem-loan coverage | 70 | 100 (stronger) |
| Peer percentile | 10th | 56th |
| Total assets | $60.6M | $63.7M |
| Deposits / shares | $51.9M | $57.5M |
| Capital ratio | 12.73% (stronger) | 9.64% |
| Problem loans | 2.64% | 0.00% (stronger) |
| Net charge-offs | 0.00% | -0.24% (stronger) |
| Return on assets | -0.09% | 1.30% (stronger) |
| Loans ÷ deposits | 45.5% | 25.8% (stronger) |
| Uninsured deposits | 15.9% (stronger) | 27.0% |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Kress National Bank has the higher TellerScore (76 vs 51). On the 7 directional measures above (where higher or lower is clearly better), Commerce Bank Texas leads on 2 and Kress National Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.