Side-by-side · Q2 2026 data
The Commercial Bank vs First American Bank and Trust Company
Metric by metric
| Measure | The Commercial Bank | First American Bank and Trust Company |
|---|---|---|
| TellerScore | 79 | 86 (stronger) |
| Capital cushion | 57 | 83 (stronger) |
| Loan quality | 94 | 100 (stronger) |
| Earnings | 100 (stronger) | 99 |
| Funding & liquidity | 61 (stronger) | 44 |
| Problem-loan coverage | 97 | 100 (stronger) |
| Peer percentile | 75th | 90th |
| Total assets | $463.7M | $901.9M |
| Deposits / shares | $419.2M | $753.2M |
| Capital ratio | 10.72% | 13.34% (stronger) |
| Problem loans | 0.17% | 0.00% (stronger) |
| Net charge-offs | 0.00% | 0.00% (stronger) |
| Return on assets | 3.14% (stronger) | 1.98% |
| Loans ÷ deposits | 81.7% (stronger) | 93.1% |
| Uninsured deposits | 30.6% (stronger) | 36.3% |
| Offices | 5 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.6% | 2.5% |
First American Bank and Trust Company has the higher TellerScore (86 vs 79). On the 7 directional measures above (where higher or lower is clearly better), The Commercial Bank leads on 3 and First American Bank and Trust Company on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Watkinsville, GA