Side-by-side · Q2 2026 data
The Hardin County Bank vs Commerce Bank
Metric by metric
| Measure | The Hardin County Bank | Commerce Bank |
|---|---|---|
| TellerScore | 76 (stronger) | 74 |
| Capital cushion | 58 | 75 (stronger) |
| Loan quality | 95 (stronger) | 43 |
| Earnings | 72 | 100 (stronger) |
| Funding & liquidity | 73 | 83 (stronger) |
| Problem-loan coverage | 93 (stronger) | 78 |
| Peer percentile | 64th | 57th |
| Total assets | $676.7M | $167.9M |
| Deposits / shares | $600.3M | $149.0M |
| Capital ratio | 10.84% | 12.46% (stronger) |
| Problem loans | 0.16% (stronger) | 1.72% |
| Net charge-offs | 0.02% (stronger) | 0.22% |
| Return on assets | 1.29% | 2.48% (stronger) |
| Loans ÷ deposits | 85.6% | 77.6% (stronger) |
| Uninsured deposits | 16.3% | 13.2% (stronger) |
| Offices | 4 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The Hardin County Bank has the higher TellerScore (76 vs 74). On the 7 directional measures above (where higher or lower is clearly better), The Hardin County Bank leads on 3 and Commerce Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.