Side-by-side · Q2 2026 data
Tompkins Bank & Trust vs Metropolitan Commercial Bank
Metric by metric
| Measure | Tompkins Bank & Trust | Metropolitan Commercial Bank |
|---|---|---|
| TellerScore | 60 | 66 (stronger) |
| Capital cushion | 41 | 61 (stronger) |
| Loan quality | 73 (stronger) | 70 |
| Earnings | 75 (stronger) | 69 |
| Funding & liquidity | 40 | 53 (stronger) |
| Problem-loan coverage | 88 (stronger) | 87 |
| Peer percentile | 21st | 40th |
| Total assets | $8.8B | $8.9B |
| Deposits / shares | $7.2B | $7.8B |
| Capital ratio | 9.11% | 11.07% (stronger) |
| Problem loans | 0.80% (stronger) | 0.91% |
| Net charge-offs | 0.07% (stronger) | 1.32% |
| Return on assets | 1.38% (stronger) | 1.23% |
| Loans ÷ deposits | 91.2% (stronger) | 93.5% |
| Uninsured deposits | 41.3% | 27.2% (stronger) |
| Offices | 56 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 19.9% | — |
Metropolitan Commercial Bank has the higher TellerScore (66 vs 60). On the 7 directional measures above (where higher or lower is clearly better), Tompkins Bank & Trust leads on 4 and Metropolitan Commercial Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.