Side-by-side · Q2 2026 data
The Commercial Bank vs Northeast Georgia Bank
Metric by metric
| Measure | The Commercial Bank | Northeast Georgia Bank |
|---|---|---|
| TellerScore | 79 | 93 (stronger) |
| Capital cushion | 57 | 84 (stronger) |
| Loan quality | 94 | 100 (stronger) |
| Earnings | 100 | 100 |
| Funding & liquidity | 61 | 88 (stronger) |
| Problem-loan coverage | 97 | 100 (stronger) |
| Peer percentile | 75th | 98th |
| Total assets | $463.7M | $650.6M |
| Deposits / shares | $419.2M | $562.9M |
| Capital ratio | 10.72% | 13.41% (stronger) |
| Problem loans | 0.17% | 0.01% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.07% |
| Return on assets | 3.14% (stronger) | 2.59% |
| Loans ÷ deposits | 81.7% | 59.1% (stronger) |
| Uninsured deposits | 30.6% | 26.3% (stronger) |
| Offices | 5 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.6% | — |
Northeast Georgia Bank has the higher TellerScore (93 vs 79). On the 7 directional measures above (where higher or lower is clearly better), The Commercial Bank leads on 2 and Northeast Georgia Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.