Side-by-side · Q2 2026 data
The Commercial Bank vs Magnolia State Bank
Metric by metric
| Measure | The Commercial Bank | Magnolia State Bank |
|---|---|---|
| TellerScore | 79 | 87 (stronger) |
| Capital cushion | 57 | 100 (stronger) |
| Loan quality | 94 (stronger) | 60 |
| Earnings | 100 (stronger) | 99 |
| Funding & liquidity | 61 | 85 (stronger) |
| Problem-loan coverage | 97 (stronger) | 91 |
| Peer percentile | 75th | 91st |
| Total assets | $463.7M | $198.7M |
| Deposits / shares | $419.2M | $167.2M |
| Capital ratio | 10.72% | 15.65% (stronger) |
| Problem loans | 0.17% (stronger) | 1.21% |
| Net charge-offs | 0.00% | -0.06% (stronger) |
| Return on assets | 3.14% (stronger) | 1.98% |
| Loans ÷ deposits | 81.7% | 64.2% (stronger) |
| Uninsured deposits | 30.6% | 25.0% (stronger) |
| Offices | 5 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.6% | 3.8% |
Magnolia State Bank has the higher TellerScore (87 vs 79). On the 7 directional measures above (where higher or lower is clearly better), The Commercial Bank leads on 2 and Magnolia State Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.