Side-by-side · Q2 2026 data
The Bank of Commerce vs Rayne Building and Loan Association
Metric by metric
| Measure | The Bank of Commerce | Rayne Building and Loan Association |
|---|---|---|
| TellerScore | 73 | 73 |
| Capital cushion | 56 | 100 (stronger) |
| Loan quality | 98 (stronger) | 80 |
| Earnings | 56 (stronger) | 0 |
| Funding & liquidity | 72 | 90 (stronger) |
| Problem-loan coverage | 99 (stronger) | 98 |
| Peer percentile | 48th | 48th |
| Total assets | $81.5M | $50.8M |
| Deposits / shares | $73.0M | $36.1M |
| Capital ratio | 10.63% | 29.06% (stronger) |
| Problem loans | 0.07% (stronger) | 0.61% |
| Net charge-offs | 0.00% | 0.00% |
| Return on assets | 0.91% (stronger) | -1.32% |
| Loans ÷ deposits | 51.0% (stronger) | 70.7% |
| Uninsured deposits | 40.2% | 6.0% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 4.6% |
Both have the same TellerScore. On the 5 directional measures above (where higher or lower is clearly better), The Bank of Commerce leads on 3 and Rayne Building and Loan Association on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.