Side-by-side · Q2 2026 data
Civista Bank vs Union Savings Bank
Metric by metric
| Measure | Civista Bank | Union Savings Bank |
|---|---|---|
| TellerScore | 75 (stronger) | 74 |
| Capital cushion | 77 (stronger) | 55 |
| Loan quality | 69 | 77 (stronger) |
| Earnings | 78 | 100 (stronger) |
| Funding & liquidity | 64 (stronger) | 61 |
| Problem-loan coverage | 91 (stronger) | 88 |
| Peer percentile | 77th | 74th |
| Total assets | $4.3B | $4.0B |
| Deposits / shares | $3.5B | $3.5B |
| Capital ratio | 12.71% (stronger) | 10.51% |
| Problem loans | 0.92% | 0.70% (stronger) |
| Net charge-offs | 0.05% | -0.01% (stronger) |
| Return on assets | 1.45% | 2.01% (stronger) |
| Loans ÷ deposits | 92.4% (stronger) | 99.7% |
| Uninsured deposits | 18.3% | 13.4% (stronger) |
| Offices | 42 | 39 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 12.5% | 5.3% |
Civista Bank has the higher TellerScore (75 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Civista Bank leads on 3 and Union Savings Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.