Side-by-side · Q2 2026 data
State Bank of New Richland vs Commerce Bank
Metric by metric
| Measure | State Bank of New Richland | Commerce Bank |
|---|---|---|
| TellerScore | 73 | 78 (stronger) |
| Capital cushion | 50 | 89 (stronger) |
| Loan quality | 90 (stronger) | 80 |
| Earnings | 99 (stronger) | 72 |
| Funding & liquidity | 41 | 50 (stronger) |
| Problem-loan coverage | 95 (stronger) | 93 |
| Peer percentile | 53rd | 72nd |
| Total assets | $124.2M | $220.0M |
| Deposits / shares | $81.0M | $156.8M |
| Capital ratio | 9.96% | 13.87% (stronger) |
| Problem loans | 0.29% (stronger) | 0.60% |
| Net charge-offs | 0.00% | -0.01% (stronger) |
| Return on assets | 1.97% (stronger) | 1.30% |
| Loans ÷ deposits | 134.9% | 117.3% (stronger) |
| Uninsured deposits | 23.3% | 15.4% (stronger) |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Commerce Bank has the higher TellerScore (78 vs 73). On the 7 directional measures above (where higher or lower is clearly better), State Bank of New Richland leads on 2 and Commerce Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.