Side-by-side · Q2 2026 data
Apple River State Bank vs Union Savings Bank
Metric by metric
| Measure | Apple River State Bank | Union Savings Bank |
|---|---|---|
| TellerScore | 74 (stronger) | 66 |
| Capital cushion | 47 (stronger) | 45 |
| Loan quality | 92 (stronger) | 91 |
| Earnings | 83 (stronger) | 32 |
| Funding & liquidity | 72 | 91 (stronger) |
| Problem-loan coverage | 97 (stronger) | 96 |
| Peer percentile | 57th | 31st |
| Total assets | $675.2M | $182.0M |
| Deposits / shares | $548.3M | $166.1M |
| Capital ratio | 9.74% (stronger) | 9.52% |
| Problem loans | 0.24% (stronger) | 0.27% |
| Net charge-offs | 0.00% (stronger) | 0.01% |
| Return on assets | 1.57% (stronger) | 0.31% |
| Loans ÷ deposits | 71.9% | 69.4% (stronger) |
| Uninsured deposits | 29.5% | 6.6% (stronger) |
| Offices | 8 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 5.1% |
Apple River State Bank has the higher TellerScore (74 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Apple River State Bank leads on 5 and Union Savings Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.