Side-by-side · Q2 2026 data
Commercial Bank vs Independent Bank
Metric by metric
| Measure | Commercial Bank | Independent Bank |
|---|---|---|
| TellerScore | 77 (stronger) | 67 |
| Capital cushion | 66 (stronger) | 56 |
| Loan quality | 88 (stronger) | 72 |
| Earnings | 93 (stronger) | 70 |
| Funding & liquidity | 49 | 67 (stronger) |
| Problem-loan coverage | 95 (stronger) | 86 |
| Peer percentile | 83rd | 44th |
| Total assets | $2.4B | $1.9B |
| Deposits / shares | $1.9B | $1.6B |
| Capital ratio | 11.58% (stronger) | 10.60% |
| Problem loans | 0.35% (stronger) | 0.85% |
| Net charge-offs | -0.01% (stronger) | 0.36% |
| Return on assets | 1.82% (stronger) | 1.26% |
| Loans ÷ deposits | 100.2% | 81.4% (stronger) |
| Uninsured deposits | 24.9% (stronger) | 25.4% |
| Offices | 34 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.9% | — |
Commercial Bank has the higher TellerScore (77 vs 67). On the 7 directional measures above (where higher or lower is clearly better), Commercial Bank leads on 6 and Independent Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.