Side-by-side · Q2 2026 data
First State Bank vs Commerce Bank
Metric by metric
| Measure | First State Bank | Commerce Bank |
|---|---|---|
| TellerScore | 74 | 87 (stronger) |
| Capital cushion | 64 | 73 (stronger) |
| Loan quality | 73 | 99 (stronger) |
| Earnings | 86 | 92 (stronger) |
| Funding & liquidity | 67 | 80 (stronger) |
| Problem-loan coverage | 91 | 100 (stronger) |
| Peer percentile | 57th | 91st |
| Total assets | $761.7M | $762.5M |
| Deposits / shares | $669.5M | $664.5M |
| Capital ratio | 11.44% | 12.28% (stronger) |
| Problem loans | 0.80% | 0.03% (stronger) |
| Net charge-offs | 0.03% (stronger) | 0.16% |
| Return on assets | 1.65% | 1.81% (stronger) |
| Loans ÷ deposits | 70.7% | 28.9% (stronger) |
| Uninsured deposits | 35.3% | 33.1% (stronger) |
| Offices | 7 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 8.5% | — |
Commerce Bank has the higher TellerScore (87 vs 74). On the 7 directional measures above (where higher or lower is clearly better), First State Bank leads on 1 and Commerce Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.