Side-by-side · Q2 2026 data
The Commercial Bank vs FNB Picayune Bank
Metric by metric
| Measure | The Commercial Bank | FNB Picayune Bank |
|---|---|---|
| TellerScore | 72 | 86 (stronger) |
| Capital cushion | 56 | 100 (stronger) |
| Loan quality | 92 (stronger) | 58 |
| Earnings | 56 | 100 (stronger) |
| Funding & liquidity | 75 | 83 (stronger) |
| Problem-loan coverage | 95 (stronger) | 86 |
| Peer percentile | 50th | 90th |
| Total assets | $295.5M | $282.3M |
| Deposits / shares | $267.0M | $241.0M |
| Capital ratio | 10.60% | 15.44% (stronger) |
| Problem loans | 0.25% (stronger) | 1.26% |
| Net charge-offs | 0.08% (stronger) | 0.11% |
| Return on assets | 0.91% | 3.28% (stronger) |
| Loans ÷ deposits | 63.0% (stronger) | 75.1% |
| Uninsured deposits | 35.4% | 17.0% (stronger) |
| Offices | 5 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 9.9% |
FNB Picayune Bank has the higher TellerScore (86 vs 72). On the 7 directional measures above (where higher or lower is clearly better), The Commercial Bank leads on 3 and FNB Picayune Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.