Side-by-side · Q2 2026 data
First State Bank and Trust vs Bank of Commerce
Metric by metric
| Measure | First State Bank and Trust | Bank of Commerce |
|---|---|---|
| TellerScore | 66 | 74 (stronger) |
| Capital cushion | 36 | 42 (stronger) |
| Loan quality | 84 | 98 (stronger) |
| Earnings | 67 | 78 (stronger) |
| Funding & liquidity | 82 (stronger) | 74 |
| Problem-loan coverage | 84 | 99 (stronger) |
| Peer percentile | 31st | 57th |
| Total assets | $514.9M | $497.5M |
| Deposits / shares | $457.6M | $439.3M |
| Capital ratio | 8.64% | 9.19% (stronger) |
| Problem loans | 0.48% | 0.05% (stronger) |
| Net charge-offs | 0.44% | -0.00% (stronger) |
| Return on assets | 1.18% | 1.46% (stronger) |
| Loans ÷ deposits | 72.7% (stronger) | 75.2% |
| Uninsured deposits | 20.3% (stronger) | 25.4% |
| Offices | 7 | 13 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 17.6% | 11.9% |
Bank of Commerce has the higher TellerScore (74 vs 66). On the 7 directional measures above (where higher or lower is clearly better), First State Bank and Trust leads on 2 and Bank of Commerce on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.