Side-by-side · Q2 2026 data
Commercial State Bank vs Cedar Security Bank
Metric by metric
| Measure | Commercial State Bank | Cedar Security Bank |
|---|---|---|
| TellerScore | 76 | 87 (stronger) |
| Capital cushion | 46 | 100 (stronger) |
| Loan quality | 96 (stronger) | 68 |
| Earnings | 93 | 100 (stronger) |
| Funding & liquidity | 64 | 70 (stronger) |
| Problem-loan coverage | 98 (stronger) | 94 |
| Peer percentile | 64th | 84th |
| Total assets | $264.4M | $62.1M |
| Deposits / shares | $237.3M | $49.0M |
| Capital ratio | 9.64% | 18.04% (stronger) |
| Problem loans | 0.12% (stronger) | 0.96% |
| Net charge-offs | 0.12% | -0.38% (stronger) |
| Return on assets | 1.83% | 2.01% (stronger) |
| Loans ÷ deposits | 91.2% | 74.3% (stronger) |
| Uninsured deposits | 19.4% (stronger) | 28.8% |
| Offices | 3 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Cedar Security Bank has the higher TellerScore (87 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Commercial State Bank leads on 2 and Cedar Security Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.