Side-by-side · Q2 2026 data
Somerset Regal Bank vs First Commerce Bank
Metric by metric
| Measure | Somerset Regal Bank | First Commerce Bank |
|---|---|---|
| TellerScore | 76 (stronger) | 60 |
| Capital cushion | 88 (stronger) | 52 |
| Loan quality | 100 (stronger) | 76 |
| Earnings | 33 | 59 (stronger) |
| Funding & liquidity | 56 (stronger) | 32 |
| Problem-loan coverage | 100 (stronger) | 83 |
| Peer percentile | 80th | 21st |
| Total assets | $1.2B | $2.0B |
| Deposits / shares | $925.1M | $1.4B |
| Capital ratio | 13.81% (stronger) | 10.15% |
| Problem loans | 0.00% (stronger) | 0.72% |
| Net charge-offs | 0.00% | 0.00% |
| Return on assets | 0.34% | 0.96% (stronger) |
| Loans ÷ deposits | 97.4% (stronger) | 107.3% |
| Uninsured deposits | 20.7% (stronger) | 33.7% |
| Offices | 14 | 11 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.8% | — |
Somerset Regal Bank has the higher TellerScore (76 vs 60). On the 6 directional measures above (where higher or lower is clearly better), Somerset Regal Bank leads on 5 and First Commerce Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.