Side-by-side · Q2 2026 data
National Exchange Bank and Trust vs National Bank of Commerce
Metric by metric
| Measure | National Exchange Bank and Trust | National Bank of Commerce |
|---|---|---|
| TellerScore | 88 (stronger) | 70 |
| Capital cushion | 100 (stronger) | 43 |
| Loan quality | 88 (stronger) | 79 |
| Earnings | 88 | 100 (stronger) |
| Funding & liquidity | 59 (stronger) | 53 |
| Problem-loan coverage | 98 (stronger) | 91 |
| Peer percentile | 98th | 58th |
| Total assets | $2.9B | $2.2B |
| Deposits / shares | $2.3B | $1.9B |
| Capital ratio | 20.06% (stronger) | 9.33% |
| Problem loans | 0.37% (stronger) | 0.64% |
| Net charge-offs | -0.07% (stronger) | 0.05% |
| Return on assets | 1.69% | 2.00% (stronger) |
| Loans ÷ deposits | 73.1% (stronger) | 92.0% |
| Uninsured deposits | 40.1% | 29.1% (stronger) |
| Offices | 32 | 20 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 11.7% | 4.8% |
National Exchange Bank and Trust has the higher TellerScore (88 vs 70). On the 7 directional measures above (where higher or lower is clearly better), National Exchange Bank and Trust leads on 5 and National Bank of Commerce on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.