Side-by-side · Q2 2026 data
First State Bank vs Union Bank
Metric by metric
| Measure | First State Bank | Union Bank |
|---|---|---|
| TellerScore | 71 | 82 (stronger) |
| Capital cushion | 64 | 64 |
| Loan quality | 99 (stronger) | 91 |
| Earnings | 45 | 100 (stronger) |
| Funding & liquidity | 55 | 71 (stronger) |
| Problem-loan coverage | 100 (stronger) | 97 |
| Peer percentile | 47th | 82nd |
| Total assets | $665.4M | $710.2M |
| Deposits / shares | $547.0M | $625.9M |
| Capital ratio | 11.42% (stronger) | 11.40% |
| Problem loans | 0.04% (stronger) | 0.26% |
| Net charge-offs | 0.00% (stronger) | 0.06% |
| Return on assets | 0.62% | 2.43% (stronger) |
| Loans ÷ deposits | 83.2% | 76.6% (stronger) |
| Uninsured deposits | 34.8% | 26.4% (stronger) |
| Offices | 5 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.9% | 1.3% |
Union Bank has the higher TellerScore (82 vs 71). On the 7 directional measures above (where higher or lower is clearly better), First State Bank leads on 3 and Union Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.