Side-by-side · Q2 2026 data
Commercial State Bank vs Madison County Bank
Metric by metric
| Measure | Commercial State Bank | Madison County Bank |
|---|---|---|
| TellerScore | 76 | 85 (stronger) |
| Capital cushion | 46 | 100 (stronger) |
| Loan quality | 96 (stronger) | 88 |
| Earnings | 93 (stronger) | 73 |
| Funding & liquidity | 64 (stronger) | 56 |
| Problem-loan coverage | 98 (stronger) | 97 |
| Peer percentile | 64th | 88th |
| Total assets | $264.4M | $613.2M |
| Deposits / shares | $237.3M | $479.2M |
| Capital ratio | 9.64% | 15.11% (stronger) |
| Problem loans | 0.12% (stronger) | 0.37% |
| Net charge-offs | 0.12% | 0.00% (stronger) |
| Return on assets | 1.83% (stronger) | 1.33% |
| Loans ÷ deposits | 91.2% (stronger) | 94.9% |
| Uninsured deposits | 19.4% (stronger) | 23.4% |
| Offices | 3 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Madison County Bank has the higher TellerScore (85 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Commercial State Bank leads on 4 and Madison County Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.