Side-by-side · Q2 2026 data
Elderton State Bank vs United Savings Bank
Metric by metric
| Measure | Elderton State Bank | United Savings Bank |
|---|---|---|
| TellerScore | 74 | 89 (stronger) |
| Capital cushion | 71 | 100 (stronger) |
| Loan quality | 75 | 100 (stronger) |
| Earnings | 87 (stronger) | 53 |
| Funding & liquidity | 51 | 86 (stronger) |
| Problem-loan coverage | 90 | 100 (stronger) |
| Peer percentile | 57th | 94th |
| Total assets | $465.2M | $460.6M |
| Deposits / shares | $359.6M | $332.1M |
| Capital ratio | 12.09% | 17.44% (stronger) |
| Problem loans | 0.76% | 0.00% (stronger) |
| Net charge-offs | 0.02% | 0.00% (stronger) |
| Return on assets | 1.66% (stronger) | 0.84% |
| Loans ÷ deposits | 108.1% | 52.0% (stronger) |
| Uninsured deposits | 16.0% (stronger) | 28.0% |
| Offices | 3 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 14.1% | 11.6% |
United Savings Bank has the higher TellerScore (89 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Elderton State Bank leads on 2 and United Savings Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.