Side-by-side · Q2 2026 data
Commercial State Bank vs First National Bank and Trust
Metric by metric
| Measure | Commercial State Bank | First National Bank and Trust |
|---|---|---|
| TellerScore | 97 (stronger) | 72 |
| Capital cushion | 100 (stronger) | 97 |
| Loan quality | 100 (stronger) | 38 |
| Earnings | 83 (stronger) | 75 |
| Funding & liquidity | 100 (stronger) | 64 |
| Problem-loan coverage | 100 (stronger) | 83 |
| Peer percentile | 98th | 50th |
| Total assets | $75.5M | $322.2M |
| Deposits / shares | $49.9M | $259.5M |
| Capital ratio | 28.59% (stronger) | 14.73% |
| Problem loans | 0.00% (stronger) | 1.87% |
| Net charge-offs | -0.02% (stronger) | 0.40% |
| Return on assets | 1.58% (stronger) | 1.37% |
| Loans ÷ deposits | 39.0% (stronger) | 85.5% |
| Uninsured deposits | 1.9% (stronger) | 24.5% |
| Offices | 1 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Commercial State Bank has the higher TellerScore (97 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Commercial State Bank leads on 7 and First National Bank and Trust on 0. Deposits are insured up to $250,000 per depositor, per ownership category, at both.