Side-by-side · Q2 2026 data
First Community Bank vs Union Bank
Metric by metric
| Measure | First Community Bank | Union Bank |
|---|---|---|
| TellerScore | 77 (stronger) | 53 |
| Capital cushion | 49 (stronger) | 38 |
| Loan quality | 100 (stronger) | 64 |
| Earnings | 96 (stronger) | 50 |
| Funding & liquidity | 53 (stronger) | 49 |
| Problem-loan coverage | 100 (stronger) | 82 |
| Peer percentile | 68th | 9th |
| Total assets | $413.6M | $396.7M |
| Deposits / shares | $358.3M | $313.5M |
| Capital ratio | 9.93% (stronger) | 8.83% |
| Problem loans | 0.00% (stronger) | 1.07% |
| Net charge-offs | 0.00% | -0.00% (stronger) |
| Return on assets | 1.91% (stronger) | 0.75% |
| Loans ÷ deposits | 93.6% (stronger) | 100.6% |
| Uninsured deposits | 27.7% | 25.0% (stronger) |
| Offices | 6 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 11.5% | 19.4% |
First Community Bank has the higher TellerScore (77 vs 53). On the 7 directional measures above (where higher or lower is clearly better), First Community Bank leads on 5 and Union Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.