Side-by-side · Q2 2026 data
Bluff View Bank vs Union State Bank
Metric by metric
| Measure | Bluff View Bank | Union State Bank |
|---|---|---|
| TellerScore | 90 (stronger) | 82 |
| Capital cushion | 99 (stronger) | 72 |
| Loan quality | 100 (stronger) | 95 |
| Earnings | 71 | 74 (stronger) |
| Funding & liquidity | 75 | 81 (stronger) |
| Problem-loan coverage | 100 (stronger) | 98 |
| Peer percentile | 95th | 82nd |
| Total assets | $152.8M | $117.6M |
| Deposits / shares | $118.4M | $97.4M |
| Capital ratio | 14.94% (stronger) | 12.15% |
| Problem loans | 0.00% (stronger) | 0.14% |
| Net charge-offs | 0.00% | 0.00% |
| Return on assets | 1.26% | 1.34% (stronger) |
| Loans ÷ deposits | 85.5% | 79.6% (stronger) |
| Uninsured deposits | 14.6% | 14.1% (stronger) |
| Offices | 3 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 2.9% | 4.1% |
Bluff View Bank has the higher TellerScore (90 vs 82). On the 6 directional measures above (where higher or lower is clearly better), Bluff View Bank leads on 3 and Union State Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.