Side-by-side · Q2 2026 data
The Central Trust Bank vs Commerce Bank
Metric by metric
| Measure | The Central Trust Bank | Commerce Bank |
|---|---|---|
| TellerScore | 69 | 76 (stronger) |
| Capital cushion | 29 | 64 (stronger) |
| Loan quality | 84 | 94 (stronger) |
| Earnings | 100 (stronger) | 70 |
| Funding & liquidity | 64 (stronger) | 61 |
| Problem-loan coverage | 94 | 98 (stronger) |
| Peer percentile | 69th | 91st |
| Total assets | $20.3B | $35.0B |
| Deposits / shares | $16.4B | $28.1B |
| Capital ratio | 7.94% | 11.43% (stronger) |
| Problem loans | 0.49% | 0.17% (stronger) |
| Net charge-offs | 0.10% (stronger) | 0.25% |
| Return on assets | 1.99% (stronger) | 1.25% |
| Loans ÷ deposits | 70.4% (stronger) | 73.5% |
| Uninsured deposits | 38.4% (stronger) | 38.6% |
| Offices | 150 | 146 |
| CFPB complaints (3 yrs) | 97 | — |
| Complaints per $1B deposits | 5.9 | — |
| Mortgage denial rate (HMDA) | 10.4% | 33.2% |
Commerce Bank has the higher TellerScore (76 vs 69). On the 7 directional measures above (where higher or lower is clearly better), The Central Trust Bank leads on 4 and Commerce Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Kansas City, MO
- Columbia, MO
- Springfield, MO
- Saint Louis, MO
- Overland Park, KS
- Lawrence, KS
- Lees Summit, MO
- Tulsa, OK
- Independence, MO
- Naples, FL
- O Fallon, MO
- Olathe, KS
- Chesterfield, MO
- Moberly, MO
- Blue Springs, MO
- Branson, MO
- California, MO
- Ozark, MO
- Saint Charles, MO
- Oklahoma City, OK
- Mexico, MO
- Belton, MO
- Nixa, MO
- Shawnee, KS
- Wentzville, MO
- Parkville, MO
- Republic, MO
- Clayton, MO
- Kansas City, KS
- Saint Peters, MO