Side-by-side · Q2 2026 data
First Independent Bank vs Commerce Bank
Metric by metric
| Measure | First Independent Bank | Commerce Bank |
|---|---|---|
| TellerScore | 74 | 76 (stronger) |
| Capital cushion | 66 (stronger) | 64 |
| Loan quality | 67 | 94 (stronger) |
| Earnings | 70 | 70 |
| Funding & liquidity | 100 (stronger) | 61 |
| Problem-loan coverage | 88 | 98 (stronger) |
| Peer percentile | 57th | 91st |
| Total assets | $147.6M | $35.0B |
| Deposits / shares | $131.4M | $28.1B |
| Capital ratio | 11.63% (stronger) | 11.43% |
| Problem loans | 1.00% | 0.17% (stronger) |
| Net charge-offs | 0.10% (stronger) | 0.25% |
| Return on assets | 1.24% | 1.25% (stronger) |
| Loans ÷ deposits | 55.5% (stronger) | 73.5% |
| Uninsured deposits | 5.8% (stronger) | 38.6% |
| Offices | 1 | 146 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 33.2% |
Commerce Bank has the higher TellerScore (76 vs 74). On the 7 directional measures above (where higher or lower is clearly better), First Independent Bank leads on 4 and Commerce Bank on 3. 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.