Side-by-side · Q2 2026 data
Commercial State Bank vs Columbus Bank and Trust Company
Metric by metric
| Measure | Commercial State Bank | Columbus Bank and Trust Company |
|---|---|---|
| TellerScore | 76 (stronger) | 72 |
| Capital cushion | 46 (stronger) | 45 |
| Loan quality | 96 | 98 (stronger) |
| Earnings | 93 (stronger) | 87 |
| Funding & liquidity | 64 (stronger) | 42 |
| Problem-loan coverage | 98 | 99 (stronger) |
| Peer percentile | 64th | 50th |
| Total assets | $264.4M | $274.6M |
| Deposits / shares | $237.3M | $218.8M |
| Capital ratio | 9.64% (stronger) | 9.47% |
| Problem loans | 0.12% | 0.07% (stronger) |
| Net charge-offs | 0.12% | -0.01% (stronger) |
| Return on assets | 1.83% (stronger) | 1.66% |
| Loans ÷ deposits | 91.2% (stronger) | 100.8% |
| Uninsured deposits | 19.4% (stronger) | 30.2% |
| Offices | 3 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Commercial State Bank has the higher TellerScore (76 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Commercial State Bank leads on 5 and Columbus Bank and Trust Company on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.