Side-by-side · Q2 2026 data
BayCoast Bank vs UniBank for Savings
Metric by metric
| Measure | BayCoast Bank | UniBank for Savings |
|---|---|---|
| TellerScore | 46 | 62 (stronger) |
| Capital cushion | 33 | 38 (stronger) |
| Loan quality | 52 | 79 (stronger) |
| Earnings | 40 | 62 (stronger) |
| Funding & liquidity | 50 | 62 (stronger) |
| Problem-loan coverage | 77 | 90 (stronger) |
| Peer percentile | 5th | 27th |
| Total assets | $2.9B | $3.1B |
| Deposits / shares | $2.5B | $2.6B |
| Capital ratio | 8.29% | 8.83% (stronger) |
| Problem loans | 1.45% | 0.62% (stronger) |
| Net charge-offs | 0.12% | 0.01% (stronger) |
| Return on assets | 0.51% | 1.06% (stronger) |
| Loans ÷ deposits | 90.6% | 82.4% (stronger) |
| Uninsured deposits | 32.8% | 29.4% (stronger) |
| Offices | 26 | 15 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 13.1% | 15.6% |
UniBank for Savings has the higher TellerScore (62 vs 46). On the 7 directional measures above (where higher or lower is clearly better), BayCoast Bank leads on 0 and UniBank for Savings on 7. Deposits are insured up to $250,000 per depositor, per ownership category, at both.