Side-by-side · Q2 2026 data
Highpoint Community Bank vs Commercial Bank
Metric by metric
| Measure | Highpoint Community Bank | Commercial Bank |
|---|---|---|
| TellerScore | 66 | 75 (stronger) |
| Capital cushion | 35 | 59 (stronger) |
| Loan quality | 99 (stronger) | 87 |
| Earnings | 52 | 71 (stronger) |
| Funding & liquidity | 69 | 76 (stronger) |
| Problem-loan coverage | 99 (stronger) | 95 |
| Peer percentile | 31st | 61st |
| Total assets | $592.4M | $552.7M |
| Deposits / shares | $540.0M | $475.2M |
| Capital ratio | 8.45% | 10.89% (stronger) |
| Problem loans | 0.04% (stronger) | 0.39% |
| Net charge-offs | -0.00% (stronger) | 0.01% |
| Return on assets | 0.80% | 1.28% (stronger) |
| Loans ÷ deposits | 68.1% (stronger) | 76.5% |
| Uninsured deposits | 36.3% | 22.0% (stronger) |
| Offices | 6 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 1.0% | 43.2% |
Commercial Bank has the higher TellerScore (75 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Highpoint Community 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
- Hastings, MI