Side-by-side · Q2 2026 data
Cowboy State Bank vs 2unifi Bank
Metric by metric
| Measure | Cowboy State Bank | 2unifi Bank |
|---|---|---|
| TellerScore | 70 | 93 (stronger) |
| Capital cushion | 74 | 100 (stronger) |
| Loan quality | 70 | 100 (stronger) |
| Earnings | 56 | 100 (stronger) |
| Funding & liquidity | 85 (stronger) | 50 |
| Problem-loan coverage | 64 | 100 (stronger) |
| Peer percentile | 40th | 94th |
| Total assets | $50.3M | $38.5M |
| Deposits / shares | $44.4M | $124K |
| Capital ratio | 12.44% | 38.37% (stronger) |
| Problem loans | 0.91% | 0.00% (stronger) |
| Net charge-offs | 0.00% | 0.00% |
| Return on assets | 0.91% | 5.18% (stronger) |
| Loans ÷ deposits | 75.7% (stronger) | 4437.1% |
| Uninsured deposits | 5.0% | 0.0% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
2unifi Bank has the higher TellerScore (93 vs 70). On the 6 directional measures above (where higher or lower is clearly better), Cowboy State Bank leads on 1 and 2unifi Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.