Side-by-side · Q2 2026 data
First Century Bank vs Commercial Bank
Metric by metric
| Measure | First Century Bank | Commercial Bank |
|---|---|---|
| TellerScore | 73 | 77 (stronger) |
| Capital cushion | 44 | 66 (stronger) |
| Loan quality | 98 (stronger) | 88 |
| Earnings | 88 | 93 (stronger) |
| Funding & liquidity | 55 (stronger) | 49 |
| Problem-loan coverage | 99 (stronger) | 95 |
| Peer percentile | 53rd | 83rd |
| Total assets | $809.8M | $2.4B |
| Deposits / shares | $722.3M | $1.9B |
| Capital ratio | 9.44% | 11.58% (stronger) |
| Problem loans | 0.07% (stronger) | 0.35% |
| Net charge-offs | 0.01% | -0.01% (stronger) |
| Return on assets | 1.69% | 1.82% (stronger) |
| Loans ÷ deposits | 96.9% (stronger) | 100.2% |
| Uninsured deposits | 22.7% (stronger) | 24.9% |
| Offices | 10 | 34 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 7.9% |
Commercial Bank has the higher TellerScore (77 vs 73). On the 7 directional measures above (where higher or lower is clearly better), First Century Bank leads on 3 and Commercial Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Knoxville, TN
- Harrogate, TN
- New Tazewell, TN
- Maynardville, TN
- Powell, TN