Side-by-side · Q2 2026 data
Commercial State Bank vs Spectra Bank
Metric by metric
| Measure | Commercial State Bank | Spectra Bank |
|---|---|---|
| TellerScore | 49 | 59 (stronger) |
| Capital cushion | 59 (stronger) | 29 |
| Loan quality | 0 | 100 (stronger) |
| Earnings | 83 (stronger) | 28 |
| Funding & liquidity | 65 | 66 (stronger) |
| Problem-loan coverage | 50 | 100 (stronger) |
| Peer percentile | 6th | 17th |
| Total assets | $126.6M | $126.7M |
| Deposits / shares | $114.3M | $110.8M |
| Capital ratio | 10.92% (stronger) | 7.88% |
| Problem loans | 5.44% | 0.00% (stronger) |
| Net charge-offs | 0.42% | 0.25% (stronger) |
| Return on assets | 1.57% (stronger) | 0.20% |
| Loans ÷ deposits | 35.0% (stronger) | 77.9% |
| Uninsured deposits | 46.8% | 29.8% (stronger) |
| Offices | 3 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Spectra Bank has the higher TellerScore (59 vs 49). On the 7 directional measures above (where higher or lower is clearly better), Commercial State Bank leads on 3 and Spectra Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.