The article presents an analysis of modern methods for evaluating the effectiveness of commercial banks, taking into account the large-scale use of Internet technologies. The relevance of this article is due to sharp structural transformations in the context of widespread pressure on the financial sector. A competently constructed method of analyzing the state of a commercial bank is able to warn against significant losses. The sharply increased relevance of remote products and services in 2020 during the period of covid restrictions currently significantly complicates the work of a commercial bank using Internet technologies and software. At the same time, the change of the vector to remote channels of work is relevant regardless of the sanctions restrictions. In conditions of pressure on the leaders of the banking sector, the task of holistic monitoring of not only financial viability, but also the stability of innovative digital platforms arises, due to the importance of these services for customers. The necessity of a comprehensive analysis taking into account the basic evaluation criteria and digital products of a commercial bank is substantiated. Currently, the methodological apparatus is a block analysis, which is aimed either at financial stability, or the price segment, or qualitative evaluation criteria. In this case, it is proposed to evaluate one commercial bank without a uniform calculation structure, but individual independent methods. The purpose of the study is to form a holistic view of the methodological approaches to assessing the activities of a commercial bank, in order to form a unified methodology that will not only duplicate the indicators of the official methodology of the Bank of Russia, but also take into account industry trends, their qualitative component.Keywords: commercial bank, methodology, digital services, innovative products, financial analysis, competition.