Side-by-side · Q2 2026 data
Bank of Franklin vs Unity Bank of Mississippi
Metric by metric
| Measure | Bank of Franklin | Unity Bank of Mississippi |
|---|---|---|
| TellerScore | 70 (stronger) | 61 |
| Capital cushion | 49 | 60 (stronger) |
| Loan quality | 91 (stronger) | 73 |
| Earnings | 59 (stronger) | 37 |
| Funding & liquidity | 76 | 76 |
| Problem-loan coverage | 93 (stronger) | 58 |
| Peer percentile | 43rd | 20th |
| Total assets | $302.3M | $281.8M |
| Deposits / shares | $267.8M | $248.2M |
| Capital ratio | 9.88% | 11.04% (stronger) |
| Problem loans | 0.27% (stronger) | 0.80% |
| Net charge-offs | 0.23% (stronger) | 0.62% |
| Return on assets | 0.96% (stronger) | 0.43% |
| Loans ÷ deposits | 77.6% | 59.8% (stronger) |
| Uninsured deposits | 20.9% (stronger) | 36.6% |
| Offices | 4 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Bank of Franklin has the higher TellerScore (70 vs 61). On the 7 directional measures above (where higher or lower is clearly better), Bank of Franklin leads on 5 and Unity Bank of Mississippi on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.