Side-by-side · Q2 2026 data
First Capital Bank vs The Commercial Bank
Metric by metric
| Measure | First Capital Bank | The Commercial Bank |
|---|---|---|
| TellerScore | 69 | 79 (stronger) |
| Capital cushion | 46 | 49 (stronger) |
| Loan quality | 77 | 100 (stronger) |
| Earnings | 87 (stronger) | 82 |
| Funding & liquidity | 71 | 89 (stronger) |
| Problem-loan coverage | 82 | 100 (stronger) |
| Peer percentile | 40th | 75th |
| Total assets | $107.3M | $114.6M |
| Deposits / shares | $96.8M | $99.1M |
| Capital ratio | 9.57% | 9.95% (stronger) |
| Problem loans | 0.70% | 0.00% (stronger) |
| Net charge-offs | 1.33% | 0.00% (stronger) |
| Return on assets | 1.67% (stronger) | 1.56% |
| Loans ÷ deposits | 76.8% | 44.5% (stronger) |
| Uninsured deposits | 26.3% | 24.8% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 10.5% | — |
The Commercial Bank has the higher TellerScore (79 vs 69). On the 7 directional measures above (where higher or lower is clearly better), First Capital Bank leads on 1 and The Commercial Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.