Side-by-side · Q2 2026 data
Commercial Bank vs ESB Financial
Metric by metric
| Measure | Commercial Bank | ESB Financial |
|---|---|---|
| TellerScore | 62 (stronger) | 59 |
| Capital cushion | 33 | 41 (stronger) |
| Loan quality | 76 (stronger) | 47 |
| Earnings | 53 | 88 (stronger) |
| Funding & liquidity | 88 (stronger) | 67 |
| Problem-loan coverage | 91 (stronger) | 75 |
| Peer percentile | 22nd | 17th |
| Total assets | $382.2M | $381.3M |
| Deposits / shares | $354.2M | $335.9M |
| Capital ratio | 8.33% | 9.07% (stronger) |
| Problem loans | 0.72% (stronger) | 1.58% |
| Net charge-offs | 0.00% (stronger) | 0.02% |
| Return on assets | 0.82% | 1.69% (stronger) |
| Loans ÷ deposits | 48.8% (stronger) | 80.2% |
| Uninsured deposits | 26.2% (stronger) | 26.7% |
| Offices | 6 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 1.5% |
Commercial Bank has the higher TellerScore (62 vs 59). On the 7 directional measures above (where higher or lower is clearly better), Commercial Bank leads on 5 and ESB Financial on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.