Side-by-side · Q2 2026 data
Summit State Bank vs First Commercial Bank (USA)
Metric by metric
| Measure | Summit State Bank | First Commercial Bank (USA) |
|---|---|---|
| TellerScore | 42 | 71 (stronger) |
| Capital cushion | 58 | 100 (stronger) |
| Loan quality | 19 | 65 (stronger) |
| Earnings | 23 | 64 (stronger) |
| Funding & liquidity | 62 (stronger) | 20 |
| Problem-loan coverage | 64 | 93 (stronger) |
| Peer percentile | 3rd | 47th |
| Total assets | $959.8M | $849.9M |
| Deposits / shares | $846.1M | $646.8M |
| Capital ratio | 10.84% | 23.27% (stronger) |
| Problem loans | 2.43% | 1.05% (stronger) |
| Net charge-offs | 2.17% | 0.00% (stronger) |
| Return on assets | 0.07% | 1.10% (stronger) |
| Loans ÷ deposits | 88.2% (stronger) | 111.5% |
| Uninsured deposits | 24.4% (stronger) | 42.6% |
| Offices | 4 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 5.0% |
First Commercial Bank (USA) has the higher TellerScore (71 vs 42). On the 7 directional measures above (where higher or lower is clearly better), Summit State Bank leads on 2 and First Commercial Bank (USA) on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.