Side-by-side · Q2 2026 data
Bay Port State Bank vs Community Unity Bank
Metric by metric
| Measure | Bay Port State Bank | Community Unity Bank |
|---|---|---|
| TellerScore | 71 | 71 |
| Capital cushion | 59 | 100 (stronger) |
| Loan quality | 78 | 100 (stronger) |
| Earnings | 73 (stronger) | 0 |
| Funding & liquidity | 64 (stronger) | 38 |
| Problem-loan coverage | 91 | 100 (stronger) |
| Peer percentile | 47th | 47th |
| Total assets | $153.4M | $107.1M |
| Deposits / shares | $136.1M | $85.8M |
| Capital ratio | 10.89% | 19.54% (stronger) |
| Problem loans | 0.65% | 0.00% (stronger) |
| Net charge-offs | 0.18% | 0.00% (stronger) |
| Return on assets | 1.34% (stronger) | -1.68% |
| Loans ÷ deposits | 95.8% | 92.4% (stronger) |
| Uninsured deposits | 10.6% (stronger) | 41.6% |
| Offices | 4 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), Bay Port State Bank leads on 2 and Community Unity Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.