Side-by-side · Q2 2026 data
Commercial State Bank, of Wagner vs Andes State Bank
Metric by metric
| Measure | Commercial State Bank, of Wagner | Andes State Bank |
|---|---|---|
| TellerScore | 66 | 88 (stronger) |
| Capital cushion | 68 | 83 (stronger) |
| Loan quality | 24 | 100 (stronger) |
| Earnings | 100 (stronger) | 79 |
| Funding & liquidity | 77 | 84 (stronger) |
| Problem-loan coverage | 77 | 100 (stronger) |
| Peer percentile | 31st | 86th |
| Total assets | $260.4M | $28.2M |
| Deposits / shares | $218.8M | $24.2M |
| Capital ratio | 11.82% | 13.32% (stronger) |
| Problem loans | 2.29% | 0.00% (stronger) |
| Net charge-offs | -0.63% (stronger) | -0.02% |
| Return on assets | 2.57% (stronger) | 1.47% |
| Loans ÷ deposits | 70.2% | 44.8% (stronger) |
| Uninsured deposits | 26.8% (stronger) | 29.2% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Andes State Bank has the higher TellerScore (88 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Commercial State Bank, of Wagner leads on 3 and Andes State Bank on 4. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.