Side-by-side · Q2 2026 data
Tennessee State Bank vs First Commerce Bank
Metric by metric
| Measure | Tennessee State Bank | First Commerce Bank |
|---|---|---|
| TellerScore | 72 | 77 (stronger) |
| Capital cushion | 43 | 52 (stronger) |
| Loan quality | 96 | 97 (stronger) |
| Earnings | 68 | 97 (stronger) |
| Funding & liquidity | 76 (stronger) | 55 |
| Problem-loan coverage | 98 | 99 (stronger) |
| Peer percentile | 50th | 68th |
| Total assets | $990.8M | $935.1M |
| Deposits / shares | $885.0M | $824.8M |
| Capital ratio | 9.31% | 10.21% (stronger) |
| Problem loans | 0.11% | 0.08% (stronger) |
| Net charge-offs | 0.04% | 0.04% (stronger) |
| Return on assets | 1.21% | 1.91% (stronger) |
| Loans ÷ deposits | 80.2% (stronger) | 86.2% |
| Uninsured deposits | 18.7% (stronger) | 32.0% |
| Offices | 17 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 0.0% |
First Commerce Bank has the higher TellerScore (77 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Tennessee State Bank leads on 2 and First Commerce Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.