Side-by-side · Q2 2026 data
Covington County Bank vs Commerce Bank
Metric by metric
| Measure | Covington County Bank | Commerce Bank |
|---|---|---|
| TellerScore | 77 (stronger) | 74 |
| Capital cushion | 88 (stronger) | 75 |
| Loan quality | 67 (stronger) | 43 |
| Earnings | 77 | 100 (stronger) |
| Funding & liquidity | 74 | 83 (stronger) |
| Problem-loan coverage | 78 | 78 |
| Peer percentile | 68th | 57th |
| Total assets | $109.2M | $167.9M |
| Deposits / shares | $93.9M | $149.0M |
| Capital ratio | 13.76% (stronger) | 12.46% |
| Problem loans | 0.99% (stronger) | 1.72% |
| Net charge-offs | 0.01% (stronger) | 0.22% |
| Return on assets | 1.42% | 2.48% (stronger) |
| Loans ÷ deposits | 86.1% | 77.6% (stronger) |
| Uninsured deposits | 12.8% (stronger) | 13.2% |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Covington County Bank has the higher TellerScore (77 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Covington County Bank leads on 5 and Commerce Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.