Side-by-side · Q2 2026 data
FBT Bank & Mortgage vs Union Bank & Trust Company
Metric by metric
| Measure | FBT Bank & Mortgage | Union Bank & Trust Company |
|---|---|---|
| TellerScore | 72 (stronger) | 66 |
| Capital cushion | 54 (stronger) | 52 |
| Loan quality | 77 (stronger) | 63 |
| Earnings | 76 | 83 (stronger) |
| Funding & liquidity | 85 (stronger) | 68 |
| Problem-loan coverage | 88 (stronger) | 83 |
| Peer percentile | 50th | 31st |
| Total assets | $263.6M | $355.8M |
| Deposits / shares | $222.1M | $320.8M |
| Capital ratio | 10.39% (stronger) | 10.19% |
| Problem loans | 0.69% (stronger) | 1.11% |
| Net charge-offs | 0.35% | 0.10% (stronger) |
| Return on assets | 1.41% | 1.57% (stronger) |
| Loans ÷ deposits | 70.2% (stronger) | 85.8% |
| Uninsured deposits | 19.5% (stronger) | 20.8% |
| Offices | 4 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
FBT Bank & Mortgage has the higher TellerScore (72 vs 66). On the 7 directional measures above (where higher or lower is clearly better), FBT Bank & Mortgage leads on 5 and Union Bank & Trust Company on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.