Side-by-side · Q2 2026 data
Beal Bank USA vs UniBank
Metric by metric
| Measure | Beal Bank USA | UniBank |
|---|---|---|
| TellerScore | 80 (stronger) | 50 |
| Capital cushion | 100 (stronger) | 23 |
| Loan quality | 74 | 82 (stronger) |
| Earnings | 100 (stronger) | 10 |
| Funding & liquidity | 15 | 76 (stronger) |
| Problem-loan coverage | 97 (stronger) | 91 |
| Peer percentile | 96th | 7th |
| Total assets | $11.0B | $393.0M |
| Deposits / shares | $1.7B | $322.6M |
| Capital ratio | 21.89% (stronger) | 7.31% |
| Problem loans | 0.78% | 0.54% (stronger) |
| Net charge-offs | -4.75% (stronger) | -1.39% |
| Return on assets | 8.19% (stronger) | -0.25% |
| Loans ÷ deposits | 235.7% | 83.0% (stronger) |
| Uninsured deposits | 46.6% | 16.0% (stronger) |
| Offices | 10 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Beal Bank USA has the higher TellerScore (80 vs 50). On the 7 directional measures above (where higher or lower is clearly better), Beal Bank USA leads on 4 and UniBank on 3. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.