Side-by-side · Q2 2026 data
Madison County Community Bank vs Commerce Bank & Trust
Metric by metric
| Measure | Madison County Community Bank | Commerce Bank & Trust |
|---|---|---|
| TellerScore | 66 (stronger) | 44 |
| Capital cushion | 34 | 55 (stronger) |
| Loan quality | 90 (stronger) | 0 |
| Earnings | 53 | 56 (stronger) |
| Funding & liquidity | 88 (stronger) | 77 |
| Problem-loan coverage | 95 (stronger) | 47 |
| Peer percentile | 31st | 4th |
| Total assets | $211.7M | $197.9M |
| Deposits / shares | $196.9M | $168.8M |
| Capital ratio | 8.42% | 10.46% (stronger) |
| Problem loans | 0.30% (stronger) | 3.44% |
| Net charge-offs | 0.00% | 0.00% (stronger) |
| Return on assets | 0.83% | 0.91% (stronger) |
| Loans ÷ deposits | 59.1% (stronger) | 75.7% |
| Uninsured deposits | 26.1% | 22.3% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Madison County Community Bank has the higher TellerScore (66 vs 44). On the 7 directional measures above (where higher or lower is clearly better), Madison County Community Bank leads on 3 and Commerce Bank & Trust on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.