Side-by-side · Q2 2026 data
Commercial Bank & Trust Co. vs Thread Bank
Metric by metric
| Measure | Commercial Bank & Trust Co. | Thread Bank |
|---|---|---|
| TellerScore | 80 (stronger) | 71 |
| Capital cushion | 71 (stronger) | 48 |
| Loan quality | 95 (stronger) | 94 |
| Earnings | 71 (stronger) | 43 |
| Funding & liquidity | 70 | 100 (stronger) |
| Problem-loan coverage | 98 | 98 |
| Peer percentile | 90th | 63rd |
| Total assets | $1.1B | $1.1B |
| Deposits / shares | $972.0M | $1.0B |
| Capital ratio | 12.08% (stronger) | 9.75% |
| Problem loans | 0.15% (stronger) | 0.18% |
| Net charge-offs | 0.05% (stronger) | 0.47% |
| Return on assets | 1.26% (stronger) | 0.58% |
| Loans ÷ deposits | 64.9% | 41.6% (stronger) |
| Uninsured deposits | 37.5% | 11.0% (stronger) |
| Offices | 9 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Commercial Bank & Trust Co. has the higher TellerScore (80 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Commercial Bank & Trust Co. leads on 5 and Thread Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.