Side-by-side · Q2 2026 data
Commerce West Bank vs Golden State Bank
Metric by metric
| Measure | Commerce West Bank | Golden State Bank |
|---|---|---|
| TellerScore | 61 | 63 (stronger) |
| Capital cushion | 61 (stronger) | 60 |
| Loan quality | 59 | 73 (stronger) |
| Earnings | 68 | 70 (stronger) |
| Funding & liquidity | 37 (stronger) | 25 |
| Problem-loan coverage | 86 | 88 (stronger) |
| Peer percentile | 24th | 30th |
| Total assets | $1.2B | $1.0B |
| Deposits / shares | $1.1B | $856.6M |
| Capital ratio | 11.14% (stronger) | 11.04% |
| Problem loans | 1.23% | 0.82% (stronger) |
| Net charge-offs | 0.09% | -0.00% (stronger) |
| Return on assets | 1.20% | 1.26% (stronger) |
| Loans ÷ deposits | 72.9% (stronger) | 98.9% |
| Uninsured deposits | 79.1% | 47.8% (stronger) |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Golden State Bank has the higher TellerScore (63 vs 61). On the 7 directional measures above (where higher or lower is clearly better), Commerce West Bank leads on 2 and Golden State Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.