Side-by-side · Q2 2026 data
Community Commerce Bank vs Universal Bank
Metric by metric
| Measure | Community Commerce Bank | Universal Bank |
|---|---|---|
| TellerScore | 84 (stronger) | 54 |
| Capital cushion | 100 | 100 |
| Loan quality | 100 (stronger) | 0 |
| Earnings | 51 (stronger) | 34 |
| Funding & liquidity | 61 | 66 (stronger) |
| Problem-loan coverage | 92 (stronger) | 72 |
| Peer percentile | 86th | 10th |
| Total assets | $422.7M | $388.0M |
| Deposits / shares | $317.5M | $275.1M |
| Capital ratio | 15.25% | 17.80% (stronger) |
| Problem loans | 0.00% (stronger) | 3.74% |
| Net charge-offs | 0.02% | -0.02% (stronger) |
| Return on assets | 0.78% (stronger) | 0.36% |
| Loans ÷ deposits | 98.9% | 94.1% (stronger) |
| Uninsured deposits | 13.6% (stronger) | 13.7% |
| Offices | 4 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Community Commerce Bank has the higher TellerScore (84 vs 54). On the 7 directional measures above (where higher or lower is clearly better), Community Commerce Bank leads on 4 and Universal Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.