Side-by-side · Q2 2026 data
CerescoBank vs Union Bank and Trust Company
Metric by metric
| Measure | CerescoBank | Union Bank and Trust Company |
|---|---|---|
| TellerScore | 92 (stronger) | 76 |
| Capital cushion | 89 (stronger) | 56 |
| Loan quality | 98 (stronger) | 89 |
| Earnings | 81 | 86 (stronger) |
| Funding & liquidity | 97 (stronger) | 69 |
| Problem-loan coverage | 100 (stronger) | 96 |
| Peer percentile | 92nd | 80th |
| Total assets | $81.3M | $9.2B |
| Deposits / shares | $69.0M | $7.5B |
| Capital ratio | 13.85% (stronger) | 10.65% |
| Problem loans | 0.06% (stronger) | 0.32% |
| Net charge-offs | 0.04% (stronger) | 0.10% |
| Return on assets | 1.52% | 1.66% (stronger) |
| Loans ÷ deposits | 63.3% (stronger) | 91.6% |
| Uninsured deposits | 13.7% | 11.8% (stronger) |
| Offices | 1 | 37 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 11.7% |
CerescoBank has the higher TellerScore (92 vs 76). On the 7 directional measures above (where higher or lower is clearly better), CerescoBank leads on 5 and Union Bank and Trust Company on 2. 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.