Side-by-side · Q2 2026 data
Mechanics Bank vs City National Bank
Metric by metric
| Measure | Mechanics Bank | City National Bank |
|---|---|---|
| TellerScore | 65 (stronger) | 58 |
| Capital cushion | 44 | 51 (stronger) |
| Loan quality | 86 (stronger) | 69 |
| Earnings | 60 (stronger) | 59 |
| Funding & liquidity | 55 (stronger) | 31 |
| Problem-loan coverage | 96 (stronger) | 89 |
| Peer percentile | 54th | 20th |
| Total assets | $21.2B | $99.1B |
| Deposits / shares | $18.1B | $81.5B |
| Capital ratio | 9.38% | 10.08% (stronger) |
| Problem loans | 0.41% (stronger) | 0.92% |
| Net charge-offs | 0.11% | 0.03% (stronger) |
| Return on assets | 0.99% (stronger) | 0.97% |
| Loans ÷ deposits | 74.2% (stronger) | 84.0% |
| Uninsured deposits | 42.9% (stronger) | 55.4% |
| Offices | 166 | 65 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 20.1% | — |
Mechanics Bank has the higher TellerScore (65 vs 58). On the 7 directional measures above (where higher or lower is clearly better), Mechanics Bank leads on 5 and City National Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.