Side-by-side · Q2 2026 data
Commercial Bank vs SmartBank
Metric by metric
| Measure | Commercial Bank | SmartBank |
|---|---|---|
| TellerScore | 77 (stronger) | 66 |
| Capital cushion | 66 (stronger) | 49 |
| Loan quality | 88 | 92 (stronger) |
| Earnings | 93 (stronger) | 65 |
| Funding & liquidity | 49 (stronger) | 38 |
| Problem-loan coverage | 95 | 97 (stronger) |
| Peer percentile | 83rd | 40th |
| Total assets | $2.4B | $6.1B |
| Deposits / shares | $1.9B | $5.4B |
| Capital ratio | 11.58% (stronger) | 9.86% |
| Problem loans | 0.35% | 0.24% (stronger) |
| Net charge-offs | -0.01% (stronger) | 0.03% |
| Return on assets | 1.82% (stronger) | 1.12% |
| Loans ÷ deposits | 100.2% | 86.2% (stronger) |
| Uninsured deposits | 24.9% (stronger) | 47.9% |
| Offices | 34 | 42 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.9% | 12.9% |
Commercial Bank has the higher TellerScore (77 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Commercial Bank leads on 5 and SmartBank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.