Side-by-side · Q2 2026 data
The First National Bank of Lacon vs Commerce Bank
Metric by metric
| Measure | The First National Bank of Lacon | Commerce Bank |
|---|---|---|
| TellerScore | 78 (stronger) | 76 |
| Capital cushion | 68 (stronger) | 64 |
| Loan quality | 95 (stronger) | 94 |
| Earnings | 67 | 70 (stronger) |
| Funding & liquidity | 69 (stronger) | 61 |
| Problem-loan coverage | 98 | 98 |
| Peer percentile | 72nd | 91st |
| Total assets | $103.7M | $35.0B |
| Deposits / shares | $92.7M | $28.1B |
| Capital ratio | 11.78% (stronger) | 11.43% |
| Problem loans | 0.14% (stronger) | 0.17% |
| Net charge-offs | 0.06% (stronger) | 0.25% |
| Return on assets | 1.18% | 1.25% (stronger) |
| Loans ÷ deposits | 71.1% (stronger) | 73.5% |
| Uninsured deposits | 33.4% (stronger) | 38.6% |
| Offices | 1 | 146 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 33.2% |
The First National Bank of Lacon has the higher TellerScore (78 vs 76). On the 7 directional measures above (where higher or lower is clearly better), The First National Bank of Lacon leads on 6 and Commerce Bank on 1. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.