Side-by-side · Q2 2026 data
Commercial Bank vs United Citizens Bank & Trust Company
Metric by metric
| Measure | Commercial Bank | United Citizens Bank & Trust Company |
|---|---|---|
| TellerScore | 65 (stronger) | 56 |
| Capital cushion | 50 | 50 |
| Loan quality | 62 (stronger) | 41 |
| Earnings | 72 (stronger) | 62 |
| Funding & liquidity | 78 (stronger) | 71 |
| Problem-loan coverage | 85 (stronger) | 72 |
| Peer percentile | 29th | 13th |
| Total assets | $216.1M | $219.3M |
| Deposits / shares | $181.4M | $197.5M |
| Capital ratio | 10.05% (stronger) | 10.02% |
| Problem loans | 1.14% (stronger) | 1.78% |
| Net charge-offs | -0.02% (stronger) | 0.03% |
| Return on assets | 1.29% (stronger) | 1.05% |
| Loans ÷ deposits | 81.9% (stronger) | 89.1% |
| Uninsured deposits | 15.4% | 12.6% (stronger) |
| Offices | 1 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 12.5% |
Commercial Bank has the higher TellerScore (65 vs 56). On the 7 directional measures above (where higher or lower is clearly better), Commercial Bank leads on 6 and United Citizens Bank & Trust Company on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.