Side-by-side · Q2 2026 data
Pine River State Bank vs National Bank of Commerce
Metric by metric
| Measure | Pine River State Bank | National Bank of Commerce |
|---|---|---|
| TellerScore | 64 | 70 (stronger) |
| Capital cushion | 35 | 43 (stronger) |
| Loan quality | 75 | 79 (stronger) |
| Earnings | 57 | 100 (stronger) |
| Funding & liquidity | 98 (stronger) | 53 |
| Problem-loan coverage | 87 | 91 (stronger) |
| Peer percentile | 26th | 58th |
| Total assets | $185.3M | $2.2B |
| Deposits / shares | $169.8M | $1.9B |
| Capital ratio | 8.48% | 9.33% (stronger) |
| Problem loans | 0.74% | 0.64% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.05% |
| Return on assets | 0.92% | 2.00% (stronger) |
| Loans ÷ deposits | 62.2% (stronger) | 92.0% |
| Uninsured deposits | 13.3% (stronger) | 29.1% |
| Offices | 5 | 20 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 19.2% | 4.8% |
National Bank of Commerce has the higher TellerScore (70 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Pine River State Bank leads on 3 and National Bank of Commerce on 4. 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.