Side-by-side · Q2 2026 data
State Nebraska Bank & Trust vs Commercial State Bank
Metric by metric
| Measure | State Nebraska Bank & Trust | Commercial State Bank |
|---|---|---|
| TellerScore | 61 | 76 (stronger) |
| Capital cushion | 59 (stronger) | 46 |
| Loan quality | 46 | 96 (stronger) |
| Earnings | 68 | 93 (stronger) |
| Funding & liquidity | 68 (stronger) | 64 |
| Problem-loan coverage | 80 | 98 (stronger) |
| Peer percentile | 20th | 64th |
| Total assets | $244.0M | $264.4M |
| Deposits / shares | $203.8M | $237.3M |
| Capital ratio | 10.89% (stronger) | 9.64% |
| Problem loans | 1.61% | 0.12% (stronger) |
| Net charge-offs | 0.06% (stronger) | 0.12% |
| Return on assets | 1.20% | 1.83% (stronger) |
| Loans ÷ deposits | 79.2% (stronger) | 91.2% |
| Uninsured deposits | 26.9% | 19.4% (stronger) |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Commercial State Bank has the higher TellerScore (76 vs 61). On the 7 directional measures above (where higher or lower is clearly better), State Nebraska Bank & Trust leads on 3 and Commercial State Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.