Side-by-side · Q2 2026 data
The First National Bank of Aspermont vs Commercial State Bank
Metric by metric
| Measure | The First National Bank of Aspermont | Commercial State Bank |
|---|---|---|
| TellerScore | 70 (stronger) | 49 |
| Capital cushion | 41 | 59 (stronger) |
| Loan quality | 90 (stronger) | 0 |
| Earnings | 63 | 83 (stronger) |
| Funding & liquidity | 87 (stronger) | 65 |
| Problem-loan coverage | 95 (stronger) | 50 |
| Peer percentile | 43rd | 6th |
| Total assets | $133.9M | $126.6M |
| Deposits / shares | $128.0M | $114.3M |
| Capital ratio | 9.07% | 10.92% (stronger) |
| Problem loans | 0.29% (stronger) | 5.44% |
| Net charge-offs | 0.00% (stronger) | 0.42% |
| Return on assets | 1.09% | 1.57% (stronger) |
| Loans ÷ deposits | 38.5% | 35.0% (stronger) |
| Uninsured deposits | 27.2% (stronger) | 46.8% |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The First National Bank of Aspermont has the higher TellerScore (70 vs 49). On the 7 directional measures above (where higher or lower is clearly better), The First National Bank of Aspermont leads on 4 and Commercial State Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.