Side-by-side · Q2 2026 data
Produce State Bank vs Commerce Bank
Metric by metric
| Measure | Produce State Bank | Commerce Bank |
|---|---|---|
| TellerScore | 69 | 78 (stronger) |
| Capital cushion | 53 | 89 (stronger) |
| Loan quality | 58 | 80 (stronger) |
| Earnings | 73 (stronger) | 72 |
| Funding & liquidity | 98 (stronger) | 50 |
| Problem-loan coverage | 88 | 93 (stronger) |
| Peer percentile | 40th | 72nd |
| Total assets | $107.2M | $220.0M |
| Deposits / shares | $94.6M | $156.8M |
| Capital ratio | 10.33% | 13.87% (stronger) |
| Problem loans | 1.26% | 0.60% (stronger) |
| Net charge-offs | -0.15% (stronger) | -0.01% |
| Return on assets | 1.31% (stronger) | 1.30% |
| Loans ÷ deposits | 62.6% (stronger) | 117.3% |
| Uninsured deposits | 9.8% (stronger) | 15.4% |
| Offices | 4 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Commerce Bank has the higher TellerScore (78 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Produce State Bank leads on 4 and Commerce Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.