Side-by-side · Q2 2026 data
Peoples Bank of the South vs Commercial Bank
Metric by metric
| Measure | Peoples Bank of the South | Commercial Bank |
|---|---|---|
| TellerScore | 76 | 77 (stronger) |
| Capital cushion | 74 (stronger) | 66 |
| Loan quality | 72 | 88 (stronger) |
| Earnings | 100 (stronger) | 93 |
| Funding & liquidity | 44 | 49 (stronger) |
| Problem-loan coverage | 89 | 95 (stronger) |
| Peer percentile | 64th | 83rd |
| Total assets | $232.0M | $2.4B |
| Deposits / shares | $190.5M | $1.9B |
| Capital ratio | 12.43% (stronger) | 11.58% |
| Problem loans | 0.85% | 0.35% (stronger) |
| Net charge-offs | 0.00% | -0.01% (stronger) |
| Return on assets | 3.10% (stronger) | 1.82% |
| Loans ÷ deposits | 104.2% | 100.2% (stronger) |
| Uninsured deposits | 25.6% | 24.9% (stronger) |
| Offices | 3 | 34 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 7.9% |
Commercial Bank has the higher TellerScore (77 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Peoples Bank of the South leads on 2 and Commercial Bank on 5. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.