Side-by-side · Q2 2026 data
United Cumberland Bank vs Commercial Bank
Metric by metric
| Measure | United Cumberland Bank | Commercial Bank |
|---|---|---|
| TellerScore | 71 | 77 (stronger) |
| Capital cushion | 65 | 66 (stronger) |
| Loan quality | 54 | 88 (stronger) |
| Earnings | 97 (stronger) | 93 |
| Funding & liquidity | 67 (stronger) | 49 |
| Problem-loan coverage | 83 | 95 (stronger) |
| Peer percentile | 47th | 83rd |
| Total assets | $460.2M | $2.4B |
| Deposits / shares | $399.3M | $1.9B |
| Capital ratio | 11.47% | 11.58% (stronger) |
| Problem loans | 1.39% | 0.35% (stronger) |
| Net charge-offs | 0.07% | -0.01% (stronger) |
| Return on assets | 1.93% (stronger) | 1.82% |
| Loans ÷ deposits | 83.5% (stronger) | 100.2% |
| Uninsured deposits | 23.7% (stronger) | 24.9% |
| Offices | 7 | 34 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 12.7% | 7.9% |
Commercial Bank has the higher TellerScore (77 vs 71). On the 7 directional measures above (where higher or lower is clearly better), United Cumberland Bank leads on 3 and Commercial Bank on 4. 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.