Side-by-side · Q2 2026 data
St. Johns Bank and Trust Company vs Commercial Bank
Metric by metric
| Measure | St. Johns Bank and Trust Company | Commercial Bank |
|---|---|---|
| TellerScore | 47 | 51 (stronger) |
| Capital cushion | 73 (stronger) | 29 |
| Loan quality | 0 | 67 (stronger) |
| Earnings | 42 (stronger) | 39 |
| Funding & liquidity | 75 (stronger) | 66 |
| Problem-loan coverage | 53 | 77 (stronger) |
| Peer percentile | 5th | 8th |
| Total assets | $297.1M | $282.9M |
| Deposits / shares | $260.1M | $246.5M |
| Capital ratio | 12.27% (stronger) | 7.93% |
| Problem loans | 3.28% | 1.00% (stronger) |
| Net charge-offs | 0.04% (stronger) | 0.16% |
| Return on assets | 0.55% (stronger) | 0.46% |
| Loans ÷ deposits | 84.3% | 79.5% (stronger) |
| Uninsured deposits | 15.7% (stronger) | 28.2% |
| Offices | 4 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 2.3% | — |
Commercial Bank has the higher TellerScore (51 vs 47). On the 7 directional measures above (where higher or lower is clearly better), St. Johns Bank and Trust Company leads on 4 and Commercial Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.