Side-by-side · Q2 2026 data
Conservation First Bank vs Union State Bank
Metric by metric
| Measure | Conservation First Bank | Union State Bank |
|---|---|---|
| TellerScore | 82 | 82 |
| Capital cushion | 90 (stronger) | 72 |
| Loan quality | 75 | 95 (stronger) |
| Earnings | 100 (stronger) | 74 |
| Funding & liquidity | 47 | 81 (stronger) |
| Problem-loan coverage | 91 | 98 (stronger) |
| Peer percentile | 82nd | 82nd |
| Total assets | $127.5M | $117.6M |
| Deposits / shares | $101.3M | $97.4M |
| Capital ratio | 13.96% (stronger) | 12.15% |
| Problem loans | 0.74% | 0.14% (stronger) |
| Net charge-offs | 0.01% | 0.00% (stronger) |
| Return on assets | 2.12% (stronger) | 1.34% |
| Loans ÷ deposits | 108.0% | 79.6% (stronger) |
| Uninsured deposits | 19.9% | 14.1% (stronger) |
| Offices | 3 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 4.1% |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), Conservation First Bank leads on 2 and Union State Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.