Side-by-side · Q2 2026 data
The Citizens National Bank of Meridian vs The Commercial Bank
Metric by metric
| Measure | The Citizens National Bank of Meridian | The Commercial Bank |
|---|---|---|
| TellerScore | 70 | 72 (stronger) |
| Capital cushion | 63 (stronger) | 56 |
| Loan quality | 71 | 92 (stronger) |
| Earnings | 84 (stronger) | 56 |
| Funding & liquidity | 51 | 75 (stronger) |
| Problem-loan coverage | 86 | 95 (stronger) |
| Peer percentile | 58th | 50th |
| Total assets | $1.9B | $295.5M |
| Deposits / shares | $1.6B | $267.0M |
| Capital ratio | 11.28% (stronger) | 10.60% |
| Problem loans | 0.87% | 0.25% (stronger) |
| Net charge-offs | 0.02% (stronger) | 0.08% |
| Return on assets | 1.59% (stronger) | 0.91% |
| Loans ÷ deposits | 80.1% | 63.0% (stronger) |
| Uninsured deposits | 41.2% | 35.4% (stronger) |
| Offices | 25 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The Commercial Bank has the higher TellerScore (72 vs 70). On the 7 directional measures above (where higher or lower is clearly better), The Citizens National Bank of Meridian leads on 3 and The Commercial Bank on 4. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.