Side-by-side · Q2 2026 data
The Commercial Bank vs Bank of Franklin
Metric by metric
| Measure | The Commercial Bank | Bank of Franklin |
|---|---|---|
| TellerScore | 72 (stronger) | 70 |
| Capital cushion | 56 (stronger) | 49 |
| Loan quality | 92 (stronger) | 91 |
| Earnings | 56 | 59 (stronger) |
| Funding & liquidity | 75 | 76 (stronger) |
| Problem-loan coverage | 95 (stronger) | 93 |
| Peer percentile | 50th | 43rd |
| Total assets | $295.5M | $302.3M |
| Deposits / shares | $267.0M | $267.8M |
| Capital ratio | 10.60% (stronger) | 9.88% |
| Problem loans | 0.25% (stronger) | 0.27% |
| Net charge-offs | 0.08% (stronger) | 0.23% |
| Return on assets | 0.91% | 0.96% (stronger) |
| Loans ÷ deposits | 63.0% (stronger) | 77.6% |
| Uninsured deposits | 35.4% | 20.9% (stronger) |
| Offices | 5 | 4 |
| 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 Commercial Bank leads on 5 and Bank of Franklin on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.