Side-by-side · Q2 2026 data
The Commercial Bank vs First Peoples Bank
Metric by metric
| Measure | The Commercial Bank | First Peoples Bank |
|---|---|---|
| TellerScore | 79 (stronger) | 77 |
| Capital cushion | 57 | 78 (stronger) |
| Loan quality | 94 | 96 (stronger) |
| Earnings | 100 (stronger) | 62 |
| Funding & liquidity | 61 (stronger) | 51 |
| Problem-loan coverage | 97 | 99 (stronger) |
| Peer percentile | 75th | 68th |
| Total assets | $463.7M | $449.4M |
| Deposits / shares | $419.2M | $379.2M |
| Capital ratio | 10.72% | 12.84% (stronger) |
| Problem loans | 0.17% | 0.12% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.06% |
| Return on assets | 3.14% (stronger) | 1.04% |
| Loans ÷ deposits | 81.7% (stronger) | 92.6% |
| Uninsured deposits | 30.6% | 29.8% (stronger) |
| Offices | 5 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.6% | 7.8% |
The Commercial Bank has the higher TellerScore (79 vs 77). On the 7 directional measures above (where higher or lower is clearly better), The Commercial Bank leads on 4 and First Peoples Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.