Side-by-side · Q2 2026 data
Commercial Bank vs Mutual Savings Association
Metric by metric
| Measure | Commercial Bank | Mutual Savings Association |
|---|---|---|
| TellerScore | 62 | 80 (stronger) |
| Capital cushion | 33 | 100 (stronger) |
| Loan quality | 76 (stronger) | 63 |
| Earnings | 53 | 84 (stronger) |
| Funding & liquidity | 88 (stronger) | 53 |
| Problem-loan coverage | 91 | 93 (stronger) |
| Peer percentile | 22nd | 77th |
| Total assets | $382.2M | $398.6M |
| Deposits / shares | $354.2M | $255.7M |
| Capital ratio | 8.33% | 23.84% (stronger) |
| Problem loans | 0.72% (stronger) | 1.11% |
| Net charge-offs | 0.00% | -0.01% (stronger) |
| Return on assets | 0.82% | 1.60% (stronger) |
| Loans ÷ deposits | 48.8% (stronger) | 107.2% |
| Uninsured deposits | 26.2% | 11.6% (stronger) |
| Offices | 6 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Mutual Savings Association has the higher TellerScore (80 vs 62). On the 7 directional measures above (where higher or lower is clearly better), Commercial Bank leads on 2 and Mutual Savings Association on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.