Side-by-side · Q2 2026 data
Commercial State Bank vs First Bank of Utica
Metric by metric
| Measure | Commercial State Bank | First Bank of Utica |
|---|---|---|
| TellerScore | 97 (stronger) | 76 |
| Capital cushion | 100 (stronger) | 93 |
| Loan quality | 100 (stronger) | 79 |
| Earnings | 83 (stronger) | 45 |
| Funding & liquidity | 100 (stronger) | 67 |
| Problem-loan coverage | 100 (stronger) | 94 |
| Peer percentile | 98th | 56th |
| Total assets | $75.5M | $77.4M |
| Deposits / shares | $49.9M | $62.4M |
| Capital ratio | 28.59% (stronger) | 14.27% |
| Problem loans | 0.00% (stronger) | 0.63% |
| Net charge-offs | -0.02% (stronger) | 0.08% |
| Return on assets | 1.58% (stronger) | 0.63% |
| Loans ÷ deposits | 39.0% (stronger) | 93.4% |
| Uninsured deposits | 1.9% (stronger) | 12.7% |
| Offices | 1 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Commercial State Bank has the higher TellerScore (97 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Commercial State Bank leads on 7 and First Bank of Utica on 0. Deposits are insured up to $250,000 per depositor, per ownership category, at both.