Side-by-side · Q2 2026 data
TrustCo Bank vs Metropolitan Commercial Bank
Metric by metric
| Measure | TrustCo Bank | Metropolitan Commercial Bank |
|---|---|---|
| TellerScore | 62 | 66 (stronger) |
| Capital cushion | 34 | 61 (stronger) |
| Loan quality | 87 (stronger) | 70 |
| Earnings | 61 | 69 (stronger) |
| Funding & liquidity | 59 (stronger) | 53 |
| Problem-loan coverage | 92 (stronger) | 87 |
| Peer percentile | 27th | 40th |
| Total assets | $6.5B | $8.9B |
| Deposits / shares | $5.7B | $7.8B |
| Capital ratio | 8.38% | 11.07% (stronger) |
| Problem loans | 0.40% (stronger) | 0.91% |
| Net charge-offs | -0.00% (stronger) | 1.32% |
| Return on assets | 1.04% | 1.23% (stronger) |
| Loans ÷ deposits | 93.7% | 93.5% (stronger) |
| Uninsured deposits | 22.0% (stronger) | 27.2% |
| Offices | 133 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 28.5% | — |
Metropolitan Commercial Bank has the higher TellerScore (66 vs 62). On the 7 directional measures above (where higher or lower is clearly better), TrustCo Bank leads on 3 and Metropolitan Commercial Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.