Side-by-side · Q2 2026 data
Bank of Holyrood vs Union State Bank
Metric by metric
| Measure | Bank of Holyrood | Union State Bank |
|---|---|---|
| TellerScore | 66 | 79 (stronger) |
| Capital cushion | 100 (stronger) | 54 |
| Loan quality | 3 | 94 (stronger) |
| Earnings | 72 | 100 (stronger) |
| Funding & liquidity | 88 (stronger) | 63 |
| Problem-loan coverage | 75 | 97 (stronger) |
| Peer percentile | 28th | 63rd |
| Total assets | $69.8M | $73.8M |
| Deposits / shares | $58.9M | $65.2M |
| Capital ratio | 16.68% (stronger) | 10.36% |
| Problem loans | 2.92% | 0.18% (stronger) |
| Net charge-offs | 0.72% | 0.08% (stronger) |
| Return on assets | 1.29% | 2.91% (stronger) |
| Loans ÷ deposits | 68.0% (stronger) | 86.6% |
| Uninsured deposits | 19.0% (stronger) | 24.6% |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Union State Bank has the higher TellerScore (79 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Bank of Holyrood leads on 3 and Union State Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.