Side-by-side · Q2 2026 data
First State Bank of Bedias vs Unity National Bank of Houston
Metric by metric
| Measure | First State Bank of Bedias | Unity National Bank of Houston |
|---|---|---|
| TellerScore | 81 (stronger) | 65 |
| Capital cushion | 100 (stronger) | 70 |
| Loan quality | 33 | 74 (stronger) |
| Earnings | 100 (stronger) | 36 |
| Funding & liquidity | 94 (stronger) | 60 |
| Problem-loan coverage | 88 | 89 (stronger) |
| Peer percentile | 80th | 29th |
| Total assets | $224.8M | $224.9M |
| Deposits / shares | $184.7M | $193.5M |
| Capital ratio | 17.94% (stronger) | 12.02% |
| Problem loans | 2.01% | 0.77% (stronger) |
| Net charge-offs | 0.21% | -0.15% (stronger) |
| Return on assets | 2.58% (stronger) | 0.40% |
| Loans ÷ deposits | 66.6% (stronger) | 75.6% |
| Uninsured deposits | 15.0% (stronger) | 36.9% |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First State Bank of Bedias has the higher TellerScore (81 vs 65). On the 7 directional measures above (where higher or lower is clearly better), First State Bank of Bedias leads on 5 and Unity National Bank of Houston on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.