Side-by-side · Q2 2026 data
Commercial Bank vs Bank of Hays
Metric by metric
| Measure | Commercial Bank | Bank of Hays |
|---|---|---|
| TellerScore | 62 | 75 (stronger) |
| Capital cushion | 33 | 50 (stronger) |
| Loan quality | 76 | 84 (stronger) |
| Earnings | 53 | 81 (stronger) |
| Funding & liquidity | 88 (stronger) | 86 |
| Problem-loan coverage | 91 | 95 (stronger) |
| Peer percentile | 22nd | 61st |
| Total assets | $382.2M | $379.2M |
| Deposits / shares | $354.2M | $338.0M |
| Capital ratio | 8.33% | 9.97% (stronger) |
| Problem loans | 0.72% | 0.47% (stronger) |
| Net charge-offs | 0.00% | -0.00% (stronger) |
| Return on assets | 0.82% | 1.53% (stronger) |
| Loans ÷ deposits | 48.8% (stronger) | 56.8% |
| Uninsured deposits | 26.2% (stronger) | 27.9% |
| Offices | 6 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Bank of Hays has the higher TellerScore (75 vs 62). On the 7 directional measures above (where higher or lower is clearly better), Commercial Bank leads on 2 and Bank of Hays on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.