Side-by-side · Q2 2026 data
Commercial Bank vs Home Federal Bank of Tennessee
Metric by metric
| Measure | Commercial Bank | Home Federal Bank of Tennessee |
|---|---|---|
| TellerScore | 77 (stronger) | 57 |
| Capital cushion | 66 | 100 (stronger) |
| Loan quality | 88 (stronger) | 0 |
| Earnings | 93 (stronger) | 33 |
| Funding & liquidity | 49 | 83 (stronger) |
| Problem-loan coverage | 95 (stronger) | 75 |
| Peer percentile | 83rd | 16th |
| Total assets | $2.4B | $2.7B |
| Deposits / shares | $1.9B | $2.1B |
| Capital ratio | 11.58% | 17.16% (stronger) |
| Problem loans | 0.35% (stronger) | 3.92% |
| Net charge-offs | -0.01% (stronger) | 0.04% |
| Return on assets | 1.82% (stronger) | 0.31% |
| Loans ÷ deposits | 100.2% | 69.8% (stronger) |
| Uninsured deposits | 24.9% | 21.2% (stronger) |
| Offices | 34 | 23 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.9% | — |
Commercial Bank has the higher TellerScore (77 vs 57). On the 7 directional measures above (where higher or lower is clearly better), Commercial Bank leads on 4 and Home Federal Bank of Tennessee on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.