Side-by-side · Q2 2026 data
First State Bank & Trust vs Unison Bank
Metric by metric
| Measure | First State Bank & Trust | Unison Bank |
|---|---|---|
| TellerScore | 94 (stronger) | 67 |
| Capital cushion | 100 (stronger) | 50 |
| Loan quality | 100 (stronger) | 85 |
| Earnings | 91 (stronger) | 71 |
| Funding & liquidity | 73 (stronger) | 51 |
| Problem-loan coverage | 100 (stronger) | 93 |
| Peer percentile | 98th | 34th |
| Total assets | $542.6M | $596.9M |
| Deposits / shares | $466.0M | $499.1M |
| Capital ratio | 15.38% (stronger) | 10.02% |
| Problem loans | 0.00% (stronger) | 0.44% |
| Net charge-offs | 0.06% (stronger) | 0.24% |
| Return on assets | 1.76% (stronger) | 1.29% |
| Loans ÷ deposits | 44.7% (stronger) | 88.7% |
| Uninsured deposits | 39.6% | 33.6% (stronger) |
| Offices | 3 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First State Bank & Trust has the higher TellerScore (94 vs 67). On the 7 directional measures above (where higher or lower is clearly better), First State Bank & Trust leads on 6 and Unison Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.