Side-by-side · Q2 2026 data
Farmers Bank vs Union Bank & Trust Company
Metric by metric
| Measure | Farmers Bank | Union Bank & Trust Company |
|---|---|---|
| TellerScore | 60 | 66 (stronger) |
| Capital cushion | 41 | 79 (stronger) |
| Loan quality | 90 (stronger) | 12 |
| Earnings | 29 | 100 (stronger) |
| Funding & liquidity | 71 | 77 (stronger) |
| Problem-loan coverage | 87 (stronger) | 74 |
| Peer percentile | 18th | 28th |
| Total assets | $94.8M | $98.1M |
| Deposits / shares | $85.8M | $85.0M |
| Capital ratio | 9.06% | 12.87% (stronger) |
| Problem loans | 0.31% (stronger) | 2.63% |
| Net charge-offs | 0.00% (stronger) | 0.05% |
| Return on assets | 0.23% | 2.02% (stronger) |
| Loans ÷ deposits | 89.2% | 78.4% (stronger) |
| Uninsured deposits | 13.3% (stronger) | 19.0% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Union Bank & Trust Company has the higher TellerScore (66 vs 60). On the 7 directional measures above (where higher or lower is clearly better), Farmers Bank leads on 3 and Union Bank & Trust Company on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.