Side-by-side · Q2 2026 data
Commercial Bank vs Whitaker Bank
Metric by metric
| Measure | Commercial Bank | Whitaker Bank |
|---|---|---|
| TellerScore | 65 | 84 (stronger) |
| Capital cushion | 50 | 79 (stronger) |
| Loan quality | 62 | 93 (stronger) |
| Earnings | 72 | 77 (stronger) |
| Funding & liquidity | 78 | 80 (stronger) |
| Problem-loan coverage | 85 | 98 (stronger) |
| Peer percentile | 29th | 95th |
| Total assets | $216.1M | $1.9B |
| Deposits / shares | $181.4M | $1.6B |
| Capital ratio | 10.05% | 12.89% (stronger) |
| Problem loans | 1.14% | 0.21% (stronger) |
| Net charge-offs | -0.02% (stronger) | 0.06% |
| Return on assets | 1.29% | 1.42% (stronger) |
| Loans ÷ deposits | 81.9% | 67.3% (stronger) |
| Uninsured deposits | 15.4% (stronger) | 26.8% |
| Offices | 1 | 44 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Whitaker Bank has the higher TellerScore (84 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Commercial Bank leads on 2 and Whitaker Bank on 5. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.